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Operating on-line marketplaces for sellers and buyers of goods and/or services; operating on-line marketplaces featuring buyers posting listings seeking goods and/or services, sellers providing bids to buyers, buyers selecting a seller based on sellers' bids, previous buyers providing reviews of sellers, and buyers utilizing previous buyers' reviews to select a seller; providing a web site whereby buyers of goods or services locate and receive quotations from multiple competitive sources and sellers of goods or services identify and bid on multiple new sales opportunities; providing a website featuring an online marketplace for exchanging goods and services with other users