Our business will push the sales of both retailers and suppliers.

We will cooperate with big brand suppliers, which always have relationships with those small stores.

Higher interest equals higher risks - the Chinese will need time to get used to the concept.

What we need is open-minded management in the banks we buy into or cooperate with.

We also will target entrepreneurs and sales professionals who want to start a new business. The package that we are offering will allow virtually anyone to get started in this business in a matter of days and begin generating substantial revenues.

Our energy costs increased more than expected in the fourth quarter. Production and sales volumes in Europe were also relatively low in this period, partly because of high sales in the second and third quarters.