51.   He also said that Wells Fargo had had early success enlisting users for its online banking service through advertising on the new machines.

52.   He said eBay offers bid verification service through outside contractors at an extra charge, in much the same way eBay offers escrow service.

53.   Heron said American Express intended to offer a much broader array of services through the direct unit, including checking accounts.

54.   HMOs finance their services through grants from the Federal Health Care Financing Administration.

55.   Houghton Mifflin also has a standardized testing division and in recent years has invested significantly in online educational services through a partnership with Sylvan Learning Systems.

56.   IDT, which is based in Hackensack, N.J., also markets its voice service through Singnet, an Internet service provider in Singapore.

57.   IBM stepped into the Internet business earlier this year when it introduced high-speed Internet services through its Advantis global telecommunication network.

58.   In an effort to get in the game locally, PacTel is working on providing wireless services through Cross Country Cable, which it acquired in April.

59.   In addition, Microsoft will create content and services through MSN, its online service, catering to Starbucks customers.

60.   In addition, the company could use a telecommunications partner as it tries to offer telephone service through its cable systems in coming years.