In our view, Solvency II will be a major driver for companies to review their business models. Ultimately, the competitiveness and performance of companies' divisions will become more transparent for all stakeholders.

Biotechnology has the potential to create value for our company and customers, and no doubt will fundamentally change the business areas of nutrition, agriculture and specialty chemicals.

Our estimates show that a German mid-sized business achieves, on an average, 17 percent of its turnover abroad. Against that, the 15 EU nations (before eastward expansion) are estimated to have had an export average of just 12 percent in 2002.

It's the ideal solution for small to medium business, and offers enterprise capabilities tailored and configured for the small to medium business at a price range that's affordable.

We're in business. It's a product we need to make available. If we don't make it available, our customers are going to go somewhere else.

We are viewing this expansion as a long-term strategy for business expansion in Eastern Europe, ... We are going to pursue sites in Russia and perhaps other locations as well.