the city-states Hamburg and Bremen) in Germany with approx. US$52,500. Frankfurt is crucial as a financial center, with both the European Central Bank and the Deutsche Bundesbank's headquarters located there. Numerous smaller banks and Deutsche Bank, DZ Bank, KfW Bank, Commerzbank are also headquartered in Frankfurt, with the offices of several international banks also being housed there. Frankfurt is also the location of the most important German stock exchange, the Frankfurt Stock Exchange. Insurance companies have settled mostly in Wiesbaden. The city's largest private employer is the R+V Versicherung, with about 3,900 employees, other major employers are DBV-Winterthur, the SV SparkassenVersicherung and the Delta Lloyd Group. Chemical & Pharma The Rhine-Main Region has the second largest industrial density in Germany after the Ruhr area. The main economic fields of importance are the chemical and pharmaceutical industries with Sanofi, Merck, Heraeus, Stada, Messer Griesheim, Bayer Crop Science, SGL Carbon, Celanese, Cabot, Clariant, Akzo Nobel, Kuraray, Ineos, LyondellBasell, and Evonik Industries. But also other consumer goods are produced by Procter & Gamble, Coty and Colgate Palmolive. The Rhine-Main Region is not restricted only to Hesse, smaller part is in Rhineland-Palatinate. There situated 2 important pharma companies: BioNTech(HQ), which found the first mRNA vaccine against COVID-19 in the world (licensed to Pfizer), and Boehringer Ingelheim, close to Hesse's border in Mainz and Ingelheim respectively. It supports from Max Planck Institue for Heart and Lung Research, Max Planck Institute for Brain Research and Paul Ehrlich Institute. Also in other part of Hesse there is important pharma and medical manufacturers, especially in Marburg where there is industry park based on ex-Behring Werke: BioNTech (mRNA vaccines), CSL Behring, Temmler and Melsungen with B. Braun. Pharma activity in Marburg is also supported from research facilities: Max Planck Institute for Terrestrial Microbiology, , (researh of Ebolavirus and Marburgvirus; Parasitology) with BSL4-Labor, . Merck controls ca. 60% of world's liquid crystal market. Heraeus, Umicore and Evonik Industries manufacture different type of catalysts from Platinum metals, Vanadium, Neodymium, Manganese, Copper etc. In east Fulda there is the tire plant (Fulda Reifen). 2 other tire plants are in Korbach from Continental and Hanau from Goodyear. Metallurgy & Nuclear Specialised metallurgical industry focused on platinum metals has been represented by Heraeus and Umicore and magnetic materials have been a focus of Vacuumschmelze based in Hanau. Also in Hanau there used to be a plant produing nuclear fuel (classical uranium, but also MOX