Five years ago Internet trading did not exist; today there are more than 4 million online accounts; by 2002 there will be 14 million, with assets of $700 billion. With one quarter of all retail stock trades made this way, cyber-investors are becoming bolder. It's easy to see why-online trading is rapidly becoming the most efficient way to invest. Low commissions let investors make profitable trades with just a few thousand dollars, and with an explosion of market information available to investors on the Internet, it's now possible to surf and trade with confidence.