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                                                                   Exhibit 10.24

                                [CCC Letterhead]

                                  July 16, 2001

Mr. Mark Rosen
Managing Director
Charlesbank Capital Partners
600 Atlantic Avenue - 26th Floor
Boston, MA 02210-2203

          Re: EXECUTIVE LOAN ARRANGEMENT

Dear Mark:

          This letter will commemorate our understanding that effective February
1, 2001, Charlesbank Capital Partners will provide to CCC the services of Andrew
Janower, Brandon White and Ryan Carroll, or such other of your employees as you
may designate and are acceptable to us ("Loaned Executives"). We expect that in
the aggregate, such services from all Loaned Executives will average
approximately one (1) "person" day per week, but we may mutually agree on a
greater or lesser amount of resources. Loaned Executives will work as our agents
together with our senior management, including the Office of General Counsel,
and outside counsel for the Company, and you will clearly communicate to them
that they are to follow our directions and keep confidential all documents and
information regarding our affairs, except for such disclosure as we may
authorize. Initially, Loaned Executives will be assigned to advise senior
management, work with counsel for the Company and participate in decision-making
regarding financing, closing of our consumer services business, and our
International operations including any activities involving Hearst and the
Enterstand Joint Venture.

          This arrangement shall continue until terminated by either of us.
During the period from February 1, 2001 until termination, we will reimburse you
for the percentage of your costs representing our utilization of the time of the
Loaned Executives, plus all out-of-pocket expenses incurred by you in connection
with their work for us or similarly incurred by them and for which you
reimbursed them. Aggregate compensation to be paid to Charlesbank Capital
Partners by CCC shall not exceed $50,000.

          Please confirm that this letter accurately reflects the arrangement
between us by signing and returning the enclosed copy of this letter.

                                          Very truly yours,


                                          /s/ Robert S. Guttman

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Agreed and confirmed this 31st day July, 2001
Charlesbank Capital Partners

By: Mark A. Rosen
    ----------------------------------------
    Managing Director