This thing is all well and good for English speaking markets but do they make different versions.

I'd like to see what the Russian language model looks like for instance.

I can't help but disagree here. Putting business rules into "The Database" is a sure way to limit the accessibility of those rules to external systems. Putting them into "The Application" allows allows a cleaner API-like access, available from other enterprise (we are talking enterprise software here, right?) apps.

Remember that the business rule you build into a report will probably be needed in an interface one day (ie: taxation on a charge of some kind), and that the tax rules will change much more quickly than you can imagine.