Electronic learning, also known as e-learning, is generally defined as instruction and learning experiences that are delivered via electronic technology such as the Internet, audiotape and videotape, satellite broadcast, interactive television, and CD-ROM. Web-based learning, computer-based learning, and virtual classrooms are some of the processes and applications used to distribute e-learning. E-learning is a growth industry in both education and business and industry. Although e-learning has the capacity to provide greater access to resources and people, it also raises a number of questions. The overall quality of e-learning has been an issue. Surveys of e-learners have established that much e-learning fails to live up to learner expectations. In an effort to keep costs down, many e-learning providers have failed to capitalize on available technology such as streaming audio and video. In the "rush to e-learning," the emphasis has been largely on the "e" and not on the "learning." Knowledge about how adults learn has been largely ignored. Although greater numbers of individuals have more learning opportunities because of the growth of e-learning, questions about who it benefits and who it leaves out still remain. (A 20-item annotated bibliography and list of 4 World Wide Web sites constitute approximately 80% of this document.) (MN)