HTML was created as a markup language to format documents and create hyperlinks to be displayed on the web. One key person involved in its development was Tim Berners-Lee. XML was created as a way to describe text and manage information on the web and in databases. The main differences between XML and HTML are that XML is case sensitive, requires closing tags, and proper nesting, while HTML is more forgiving. HTML would be used for websites and online learning materials, while XML would be used for business transactions and financial information systems. The commercialization of the internet was driven by research networks in the 1960s and 1970s, the development of TCP/IP in 1983, and the incorporation of internet technology into business products in