Heavy Quark Electroproduction and the Heavy Quark Contribution to the   Proton Structure
  New results on charm and beauty electroproduction from the H1 and ZEUS Collaborations at the ep collider HERA are presented. Differential cross sections are compared to a next-to-leading order QCD calculation. The heavy quark contributions, F_2^{cc} and F_2^{bb}, to the proton structure function F_2 are compared using different experimental techniques. Also, results are shown on the charm fragmentation function, thereby testing the universality of fragmentation. 
K. Kr\"uger (for the H1 and ZEUS Collaborations)