Thanks for the responses so far, folks.
Thanks for the honesty Tottel. As it so happens, programming is my day job. I will admit, however, that I have not used C++ in years and need to do some refreshing (been using mainly Java and C# for over ten years now).
I have completed 4 online games in the past: Two text MUDs (one in C++), one online poker site (onlinehomepoker.com) and one 2D MMO. The two text muds were all coded from scratch including network code. The poker site uses smartfox server, and the 2d mmo used the Arianne framework with all graphical elements written from scratch. I have a lot to learn about 3D.
I do realize, however, that developing an online game is tons and tons of work. One thing that I cannot do is art. I have no talent for it at all. Really. I am hopeless. This has always been a hindrance in my game-making endeavors. For now, I'll probably buy stock models and textures and whatnot and hope I can entice an artist when the game has something to it and I can demonstrate something interesting an artist might want to be involved in.
Thanks again for the responses. Besides saying hello, I have to admit this post was a sneaky attempt at seeing how active the community is by how many people respond. Three people including the developer of the engine in 12 hours. Not bad