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                                                                    EXHIBIT 23.1


                       CONSENT OF INDEPENDENT ACCOUNTANTS

We have issued our report dated September 1, 1999, accompanying the consolidated
financial statements of Cambio Inc., and subsidiaries included in the Annual
Report on Form 10-KSB for the year ended June 30, 1999, which are incorporated
by reference in this Registration Statement. We consent to the incorporation by
reference in the Registration Statement of the aforementioned report and to the
use of our name as it appears under the caption "Experts."


/s/Grant Thornton LLP

San Jose, California
June 9, 2000