Over the last decade, the private insurance market has undergone a stable growth in turnover and growing demand for insurance products in all Member States of the European Union. Therefore, the creation of a single market in insurance will enable consumers to have access to wider choice of insurance products, and insurance companies to gain access to markets in various Member States and compete effectively. The EU legal framework for the insurance industry embraces the Treaty freedoms of services, establishment and capital, the EC Directives and the ECJ case-law. The present thesis identifies numerous factors that hinder the Community insurance market integration and offers possible remedies. The summary of the market obstacles is all-inclusive and reflects the responses to the questionnaires and the Commission surveys.

An energy study has been performed on two blocks in an area called Gävle Strand. The buildings are owned by a tenant-owner?s association called brf Carolina and were built by the company Skanska 2008. The builder as well as brf Carolina are pussled by the fact that electricity use is higher than expected while heating is less. Skanska is also very interested in finding out how much heat recovery from stale exhaust air through a geo-thermal heat pump is contributing to the general heating requirement and energy balance in four out of the ten buildings located on the properties.To find possible answers to the higher electricity use a literature survey on user behaviour was conducted.

This master thesis is an early concept development project about using plastic films and sheets as materials for shaping openings for Tetra Pak packages. It is also a technical introduction highlighting the areas of importance for the development of plastic film and sheets openings. The master thesis has been carried out as a co-operation between Chalmers University of Technology, KTH Royal Institute of Technology and Tetra Pak AB.The master thesis study presents an introduction that gives an understanding of the technical complexities and design possibilities of using thin plastic films and sheets in liquid carton openings. The knowledge is then transferred into five design concepts which points out the areas of opportunity. The technical introduction is widespread and extensive covering current packing trends, the liquid carton package and openings, thermoplastic material properties, and thin film and sheet manufacturing and shaping.

This project was a request of Norrbodal´s Forestry Board, Västra Götaland. It was performed as a qualitative interview analysis of private forest owner?s deficient motivation regarding pre-commercial thinning. The purpose of the project is to investigate what the Forestry Board can do to motivate private forest owners to do more pre-commercial thinning. The results build upon 16 qualitative phone interviews with forest owners that have their forest within the district of Norrbodal. The owners are divided into two groups, the one who have performed the pre-commercial thinning and the one that has possible pre-commercial thinning needs on their properties according to the pre-commercial thinning analysis ,which is the result of a satellite analysis.

The application of the LSS law and how the public organization (Municipality of Hudiksvall) later had to reform their organization to fit the new demands is the foundation to this master's thesis. An internal evaluation was performed due to this reorganisation process within the social care department (LSS unit). The aim was to investigate and evaluate if the reorganization resulted in a better working environment and if the work load (distribution of work) became more evenly divided between the different unit managing directors. The primary empirical information to this master's thesis is collected from that evaluation report. The main aim of this master?s thesis is to answer if the organisational choice between specialised or de-specialised working tasks has an effect (experienced and measured) on the level of stress among the unit managing directors.

Kundfordringar har en osäker karaktär vilket skapar svårigheter vid värdering. Enligt svensk lagstiftning ska kundfordringar värderas till det belopp som förväntas inflyta. God redovisningssed sätter gränser för hur kundfordringar ska värderas och ger utrymme för möjliga värderingsprinciper. Då kundfordringar ingår i omsättningstillgångar, vilka anses vara några av de mest manipulativa kontona i det finansiella redovisningssystemet, behövs studier inom ämnet.Studiens syfte är att besvara hur missvisande redovisning av kundfordringar kan undvikas samt undersöka och jämföra hur kundfordringar framställs i årsredovisningar. En undersökning genomförs på tio olika företag som är noterade på Stockholmsbörsens lista över stora företag, Large cap.

Mitt syfte med projektet är att vitalisera stadsdelen Husby i nordvästra Stockholm. Bryta upp zonerade områden och addera fler och varierade funktioner som definierar nya stråk, länka samman omtyckta områden och överbrygga platser som upplevs otrygga. Sammantaget ger det förutsättningar för ett mer levande stadsliv som attraherar fler att vilja bo, bo kvar och göra bostadskarriär i Husby.Centrala begrepp i projektet är mångfald, trygghet, flexibilitet och hållbarhet. Jag har arbetat med att identifiera, bevara och utveckla kvaliteter i kombination med att öppna upp befintlig bebyggelse som präglas av upprepning, slutenhet och rationella byggmetoder samt addera ny bebyggelse för att få en större mångfald och ett mer flexibelt utbud av både lokaler, bokaler och bostäder men även genom att analysera och bearbeta områdets struktur. Fokus har legat på de trafikseparerade miljöerna och hur de kan vidareutvecklas genom att bland annat addera gångvägar och skapa nya stråk längst tillfartsgatorna och samtidigt bevara kvaliteter som de nivåseparerade korsningarna mellan gångvägarna och bilvägarna erbjuder med säker skolväg och en trygg bilfri miljö för barnen..

Road design with focus to safety has been extensively developed in last decades in Nordic and some other EU countries with the main aim to achieve a decrease in a number of accidents and fatalities on the roads. These countries gained many valuable experiences, but they had to sacrifice great effort, expenses, and time to reach the present art-of-state. The purpose of the Master?s Thesis is to review some design approaches with focus to safety and discuss the general way that they may be applied. The Master?s Thesis studies safety in three levels: (i) general - design standards, national safety policies and road hierarchy; (ii) local authority and road administrator; and (iii) three specific safety countermeasures - junctions, pedestrian crossings and traffic calming.

AbstractIn November 2011 the Swedish Government announced that they were conducting an investigation to examine what impact the conversion of existing rental stock to condominiums could have on the development of the Million programme areas. The proposal of converting rental stocks to condominiums aims to help people living in these neighbourhoods to private ownership, while still allowing people who want to continue to rent their homes to do that. This thesis intends to investigate the effects of the proposed reform from a management perspective. The maintenance of the areas built during the Million Programme gets more neglected every year that passes. The majority of the housing stock is rental properties and extensive renovation of the surface layer, tribes and public spaces are essential in all Million programme areas studied. By transforming a portion of the housing stock into condominiums and by improve the living environment through renovations, these areas would be able to gets more attractive.

This thesis of 15 hp has been implemented at Halmstad University, incollaboration with Saab Dynamics in Linköping. Saab Dynamics is a companyoperating in the defence industry where competition is tough. This necessitatesnew ways to increase efficiency in the company, which is the basis for this thesis.Saab Dynamics wants to introduce simulation driven design. Since SaabDynamics engineers have little experience of simulation, required a usermethodology with clear guidelines. Due to lack of time, they chose to assign thetask to students, which resulted in this thesis.The aim of the thesis is to develop a methodology in mechanical design, wherethe designer uses the FE analysis early in the design process to develop thestructures' mechanical properties.

The parallel bars is used in physical therapy and is mainly used for patients who have to train walking and balance after a stroke or an operation. It consists of two long handrails with two legs on each handrail. These legs go down into two ground-plates and are locked at the wanted height with a pin. The parallel bars is an appreciated device and is used on a daily basis in many care units.The main issue with the manual parallel bars is that it is very difficult and heavy for a single person to adjust the height of it. If a larger adjustment of the height has to be done, the legs have to be adjusted one at a time otherwise the they will be locked.

This thesis of 15 hp has been implemented at Halmstad University, in collaboration with Saab Dynamics in Linköping. Saab Dynamics is a company operating in the defence industry where competition is tough. This necessitates new ways to increase efficiency in the company, which is the basis for this thesis. Saab Dynamics wants to introduce simulation driven design. Since Saab Dynamics engineers have little experience of simulation, required a user methodology with clear guidelines.

This thesis has been a part of Forsmarks Kraftgrupp AB's evaluation of a turbulencemodel used in simulation of turbulent flow called PRNS (Partially Resolved NumericalSimulation). This model has promising properties and may be of use in savingcomputational resources. The purpose of this thesis was to analyze this model andcompare it with industrially applied models such as k-omega SST and LES (Large EddySimulations).PRNS works as a hybrid of the k-omega SST and DNS (Direct Numerical Simulation)where a constant, RCP (Resolution Control Parameter) with a value between 0 and 1are selected. This constant is then used in the calculations and determines thebehavior of the simulation. When RCP is set to zero the equation are the same as fora DNS simulation and when RCP is set to one the equations for k-omega SST issolved.

The storm Gudrun January 8-9 2005 felled about 70 millions cubic metres forest in southern Sweden. The majority of the wind damaged forest was spruce (Picea abies). In order to decrease the risk of wind damages in the future other trees species are of interest for forestry in southern Sweden. The purpose of this master thesis was to study if larch were more wind tolerant than spruce. The method was to compare larch, Japanese larch (Larix kaempferi Lamb.), European larch (L.

Background: The Swedish population is aging [1] and malnutrition is a common problem among elderly people [2]. A method called food registration is used to monitor the patients? nutritional intake, with the purpose of reducing the risk of patients deteriorating in nutritional status during hospitalisation. However, the current method is not satisfactory and many food registration lists are incomplete. [3-6] Thus, patients do not receive a qualitative nutritional care since the assessment of the patients? nutritional status is based on incomplete documentation.Purpose: The purpose of this master thesis is to increase the quality in the nutrition monitoring process in the geriatric units B72 and B74 at Karolinska University Hospital in Huddinge, Sweden.