It is always important to address Swiss colleagues by their surnames (including any academic or honorary titles) and to use the polite Sie form, rather than the informal du, until familiarity has been established. Punctuality is important and business cards are widely used. Do not be surprised by Zürchers' apparent brusqueness - they believe in speaking the truth, even if it is not pleasant. If invited to a Zürcher's home, guests should bring a small gift of flowers (these should be unwrapped) or chocolates. Business attire tends to be somewhat casual but is more conservative in financial institutions where business suits should definitely be worn. Business hours are typically Monday to Friday 0800-1200 and 1400-1700.