Hosting an online website featuring (i) compiled and comprehensive information regarding the terms, conditions, and program offerings for various gift instruments, namely gift cards, paper gift cards, on-line gift cards, on-line certificates, virtual gift cards, and virtual gift certificates, for various national and regional retailers (hereinafter referred to as "Gift Cards".) Featured information includes whether the Gift Cards can be used at affiliated or other retailers, expiration terms, maintenance fees, dormancy fees, fee amounts, period of time before fees begin, whether the fees are retroactive, whether the retailer will "freeze" account balances if a Gift Card is reported lost or stolen, card replacement fees, purchasing methods (whether the retailer permits purchase of Gift Cards by phone, catalogue, mail, or in store); whether credit cards can be used to purchase Gift Cards; shipping methods available for purchased goods; whether delivery to military installations or U.S. Navy ships is available; whether the retailer can defer delivery of Gift Cards or goods/services purchased using a Gift Card; shipping rates for items purchased using Gift Cards; cash back policies (whether the retailer returns value remaining from a purchase to the holder of the Gift Card in cash); whether the retailer offers to track Gift Card balances and purchases for the Gift Card holder; whether the retailer provides such tracking information on-line, by phone, or in store; whether the retailer offers different designs for the Gift Cards; whether the holder of the Gift Card may "reload" or add cash value to the Gift Card; and whether the retailer allows the Gift Card buyer to include a personalized message with the purchased Gift Card; (ii) providing consumers with the ability to create personal accounts on the web site to track their Gift Cards and send email reminders regarding the use of the Gift Cards; (iii) providing consumers with the ability to report lost or stolen Gift Cards through the web site's "Gift Card Guard Loss" and "Theft Alert Service" services; (iv) providing the ability for consumers to create personalized wish lists that the consumer can make available to friends and family members; (v) providing electronic newsletters and tips for purchasing and using Gift Cards; (vi) providing information alerts regarding business developments that may affect Gift Card holders through its "Retail Radar Screen" services; (vii) providing information regarding state laws that govern Gift Cards; (viii) providing special Gift Card Offers and promotions; and (ix) providing links to retailers