CONSENT OF INDEPENDENT CERTIFIED PUBLIC ACCOUNTANTS


TO:     eFinancial  Depot.com,  Inc.

     As  independent  certified  public  accountants,  we  hereby consent to the
incorporation  by  reference  in this Registration Statement on Form S-8, of our
report  dated  December  1,  1999 to RJI, Inc., included in eFinancial Depot.Com
Inc,'s  Form  8K/A  dated  December  8,  1999.

/s/     Stefanou  &  Company  LLP
     Stefanou  &  Company  LLP
McLean,  Virginia
March  21,  2000