SIMON COLLIN is a freelance columnist and an expert on all aspects of E-business. He is author of the E-marketing and E-commerce, also published by John Wiley Sons.MARTYN TURNER specializes in energy risk management for a major international bank in London. He has worked in the financial markets for 14 years, and holds degrees in mathematics and statistics, both from London University. BRIAN O'CONNELL has worked as a consultant in the financial markets for over 15 years. He is the author of two previous books and is a regular contributor to the financial press on risk management issues.