COVER STORY ► Deal appeal FEATURES ► Lifelines of credit ► ASEAN and New Zealand: beyond FTAs ► Productivity by camera   ► IT made easy ACHIEVERS ► Staking a claim ► At the top of their field  ► Never too late to learn

HELP DESK ► Building collegial trust ► Is the sky the limit for the cloud? ► Credit insurance for exporters ► Time for a change? ► Reining in expenses