the european e business market watch www ebusiness org info an initiative of commission enterprise directorate general ict industries and services sector report no 5 insurance pension funding a contribution to quarterly 2 2002 w tch august disclaimer neither nor any person acting on behalf is responsible for use which might be made following information views expressed in this are those authors do not necessarily reflect nothing implies or expresses warranty kind results from should only used as guidelines part overall strategy detailed advice corporate planning processes management technology integration legal tax issues professional obtained acknowledgements was prepared by dr stefan lilischkis empirica gesellschaft für kommunikations und technologieforschung mbh bonn germany it deliverable context short
