... and the results of my (fairly) scientific test follow:
I arranged my Volvo next to my Skoda Superb such that they were the same distance from my double garage door. The two cars are much the same size, and their headlamps the same height. The first photo shows the Volvo's dipped beam:
... and photographed from exactly the same position, that of the Skoda Superb:
As you may seem the Volvo certainly needs to come up a bit. I'll also see if I can find some better bulbs - maybe there is even a thread in these pages on the subject?
Alan