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                                                                    EXHIBIT 23.2


                       CONSENT OF INDEPENDENT ACCOUNTANTS


We have issued our report dated September 1, 1999, accompanying the consolidated
financial statements of Cambio, Inc. and subsidiaries appearing in the Company's
Annual Report on Form 10-KSB for the year ended June 30, 2000, which is included
in this Registration Statement on Form SB-2. We consent to the use of the
aforementioned report in the Registration Statement and Prospectus, and to the
use our name as it appears under the caption "Experts."


/s/ Grant Thornton LLP

San Jose, California


December 1, 2000