belgium assistance in setting up networks of business "angels." help small companies make better use of patents. but insufficient coordination between government agencies.

denmark electronic filing of information the government requires. courses promoting entrepreneurship to elementary school-age children. but the venture capital market remains too small.

finland new development centers combine 77 services from three ministries into a single office. but still a strong cultural bias against entrepreneurialism.

france government-backed loans for new businesses or for purchase of existing small businesses. more than 20 regional business incubators. but entrepreneurs are still too personally liable for business failures.

germany seed capital for small business. newly endowed chairs of entrepreneurship at universities. but the public pension system still costs too much.

greece vocational training and loans for business owners under age 30. awards for entrepreneurial excellence. but labor law remains too rigid.

ireland government counselors help companies of 10 or more people develop and execute business plans. but infra-structure remains poor in some sectors.

italy special loans and guarantees for small enterprises. a one-stop shop for setting up new companies. but r&d support lags behind european standards.

luxembourg professional licensing has been relaxed. more r&d subsidies. but more startup credit is needed.

the netherlands r&d grants for small enterprises. a government venture capital fund to support infotech and life sciences companies. but schools do a poor job of preparing young people for entrepreneurial work.

portugal "first-stop shops" for small enterprises include free phone and internet service. but licensing procedures remain lengthy and complex.