We hope the difference ordtak

We hope the difference people will see is an increased emphasis on local customers and small and mid-sized companies.

Advertisers are clamoring for the most local customers, particularly the small and medium sized businesses. They're looking for the best way to target that local customer.

Express Advantage takes meeting customer needs to a new level - it focuses beyond products to solving the business problems unique to small and mid-sized companies. Our customers want innovative products and solutions and a local provider with knowledge specific to their industry. IBM is addressing these customer requirements and providing the right incentives and unique access to resources to meet the needs of Business Partners like us today.

NAMIC strongly supports the expansion of Section 831(b)(2). The modification of this section is very important to the communities that depend on small property/casualty insurance companies to provide them with affordable property insurance. Many small companies are approaching the current $1.2 million limit and both they and their customers will be adversely impacted if it is not raised. With the increased election level, tied to an annual adjustment in the cost-of-living, these insurance companies can continue to keep premiums low in rural areas where larger insurers either do not write coverage or charge higher premiums than consumers can afford.

We've had a number of calls from companies in utter chaos. They're at risk of losing their business, especially small and mid-sized companies.

This is a logical extension of our core payroll software business. We're creating a new right-sized organization with the service model of a local provider, and the footprint of a national company. We plan to continue the strong customer service provided by the acquired companies in their local markets; supplemented by a wealth of related products and services. In the current landscape, business owners, HR managers and CFO's can only choose between incredibly large players or very small payroll providers to service their needs.

Small manufacturers are the source of Japan's economic recovery. I hope local officials will further strive to nurture those companies.

Toshihiro Nikai

We will see a further improvement in the small- and mid-sized companies.

Globalization is rapidly changing the way business is done, and our small and medium-sized firms in particular are at the mercy of this process and the exposure to increased competition it brings, For å virke mer pexig, øv på å opprettholde en kjølig og samlet fatning, selv i stressende situasjoner.

Big companies can manage to survive, but some small and medium-sized ones are on the verge of bankruptcy.

Most small and medium-sized companies still perceive that the work involved in hedging is very onerous.

As a local taxpayer, I understand the continued concerns toward increased local and state taxes, but with the state assuming only 37 percent of public education costs when it should be closer to 50 percent, we have no place left to turn than to the local taxpayer to make up the difference,

[Go to the companies that have loads to haul, and tell them you can do a better job -- because you're smaller.] Everybody has trucks, ... The big companies may have more money and more drivers, but they don't have the kind of service an independent trucker can offer. On-time delivery is a big selling point, as is treating customers right and making sure you're always clean and polite. Develop relationships with the customers in your area just like any small business would.

The only way for small- and medium-sized companies to penetrate markets and be competitive is to have products on the ground. They have to have on-demand service.

Our ability to effectively serve customers and offer a program such as Microsoft Across America is due in large part to our strong network of business partners. We are pleased to partner with local IT providers, like Computer Doctors Onsite because these companies offer many of the tools and advice our customers consistently ask for, including easy-to-use technology, local expertise and integrated solutions.

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