The subject for this paper is the Class Action against Skandia Association, a civil organization formed in 2003 with the aim of claiming compensation for some 1.2 million life insurance customers. The background to its formation was one of the largest financial scandals in Sweden in recent times, involving a number of questionable affairs within the insurance corporation Skandia and its subsidiaries, most notably the life insurance company Skandia Liv. The interests of both the stake- and stockholders of the company seem, in certain ways, to have been grossly misrepresented. The scandal, as well as the reaction it spawned, pose a number of questions. In this study, we focus on two: a possible, and in many ways apparent crisis in the representation of interests in Swedish society, and the role of civil society in upholding the balance between these interests.We argue that what is often held to be the ?greed? or ?immorality? of individuals in scandals such as Skandia is, to a great extent, a mere reflection of the ?rational? underpinnings of modern-day capitalism.We find that trust has been a key mechanism of control in the relationships between consumers and agents in pension and life insurance markets, and that ?the Swedish model? that distinguished post-WWII Swedish society was a model heavily based on trust towards existing models of bureaucratic governance.

Bakgrund: Internet har skapat nya och billigare sa?tt fo?r konsumenter att genomfo?ra ko?p samt att so?ka efter information. Konsumenter a?r da?rfo?r sva?rare att beha?lla i det nya affa?rsklimatet. E-lojalitet beskrivs som den viktigaste faktorn fo?r e-handlare da? det skapar lo?nsamhet och ho?g avsikt fo?r upprepat ko?p.

This thesis is about the public library of Ulricehamn and the cultural activities at the library during the period from 1960 to 1998. We have focused on the study of the cultural activities. It begins with the foundation of the library of Ulricehamn and a historical background to it. It follows with the definitions of the public library and a historical background to the public library in Sweden. Then we present the goal of the public library in general and the goal of Ulricehamn's city library.

The study aims to reduce energy consumption in apartment buildings where individual metering and charging of heat is applied. The aim is to develop planning and design for individual metering and charging in apartment buildings.The study is based on literature review, interviews and case study that include analysis of existing documents. Interviews were carried out with the property developer and the involved consultants who planned the apartment building Yasuragi. To investigate the differences the condominium association has noted in heat consumption between flats, the debit values of the heat were used to discern which houses that were furthest from the average consumption. On these flats there were temperature measurements and thermal photo shoots made for discriminating behavior and possible construction techniques which could be the explanation for the heat spread.Boverket shows that the consumption of heat can be reduced by 10-20% after insertion of individual metering and charging in an apartment block.

Att kommunicera förtroende är en nyckelfaktor för att lyckas inom e-handel. Förtroendeinom e-handel påverkas av flera faktorer, där visuell design är en av dessa. Dennauppsats avser att inge fördjupad förståelse för hur den visuella designen spelar roll ianvändarens upplevda förtroende till en e-handelswebbsida. I denna uppsats fokuserarjag på att undersöka hur förändringar av olika grafiska element i en webbsidas visuelladesign påverkar användares upplevda förtroende för webbsidan. För att undersöka dettautfördes flera tester där användare själva fick beskriva sina tankar och åsikter om denvisuella designen och hur de upplevde förtroende till webbsidan baserat på den visuelladesignen och förändringarna av den.

In this day and age we carry out our purchases through different channels. We can shop our clothes and computers in a store or online. Nowadays we can even purchase our groceries through the Internet. The biggest retailer chains within groceries in Sweden have established virtual stores online and are distributing the goods in cities throughout the country. This thesis is dedicated to investigating crucial success factors when going about selling groceries online.

Information handling has been a key issue for different companies for a long time. Electronic Data Interchange (EDI) is used to transfer different business documents from one company to another. This is done in such way that the information itself is separated from how this information is stored and handled in the companies internal systems. As different companies have different systems there is a need for a standardised format for this exchange. There is a big difference between EDI-systems based on what kind of EDI-standard is used.

AbstractMany pupils struggleto read. Teachers must therefore know how to motivate these pupils. In this qualitative study the aim is to investigate what some teachers do to motivate pupils to read. Data were collected through interviews with four teachers from two schools. The teachers said that the choice of book was extremely important for making pupils interested in reading, and that reading aloud and cooperation with parents and libraries are of great importance.

Objective: Our purpose with this study is to demonstrate the impact of natural disasters on banks' share prices.Method: Quantitative survey method, an event study.Conclusion: There is no association or a very weak correlation in this study between natural disasters and the Swedish banks' share prices..

EDI är en förkortning av Electronic Data Interchange och kan översättas till elektronisk datautväxling på svenska. Målet med EDI är att förbättra de flöden av information som behövs för att effektivt styra hela leveranskedjan från producent till kund och därigenom förenkla handeln mellan företag. Eftersom EDI kostar en hel del är det vanligt att småföretagare känner motstånd mot att införa EDI. Ofta blir de ändå mer eller mindre tvingade till att acceptera lösningen för att fortsätta göra affärer med sina större handelspartners. Syftet med denna uppsats är att utröna hur viktiga företagens inneboende möjligheter eller resurser är för att användningen av EDI ska bli framgångsrik.

Over the past few years the Swedish forestry industry has become increasing interested in direct seeding. Although, in practice, this interest has been restricted to pine seed, the knowledge and techniques that have been developed for pine seeding can readily be transferred to spruce. Direct seeding is a method that is of interest to the forestry industry since it can lead to lower regeneration costs, denser stands and better root development than the more conventional planting method. This study evaluated experiments that focused on direct seeding of spruce in the northern Sweden. Skogforsk set-up the experiments in Gideå and Sävar in 2003.

The ever-growing e-commerce brings many opportunities for society's consumers and businesses. Digitization has strongly contributed to these opportunities and has, among other things, facilitated the search for information and increased the range for the customer. While the opportunities are many, the increased consumption has also brought consequences. The increase in consumption contributes, among other things, to quantities of deliveries and returns as well as increased waste, all of which results in environmental destruction. The issue of sustainability is very topical today and is influenced by almost everything today. In connection with the markets changing, the consumers' behaviors and expectations also change.

The Dairy business is changing a lot because of some scandals in the agricultural area for example the BSE crises in Great Britain. Because of the scandals the food industry and the farm association have created a certifying system; IP-Sigill Swedish standard system. We contacted Skånemejerier as they have been successful in the certifying area. They asked us if we wanted to do a study in the certifying area of dairy farmers. At Skånemejerier they gave us most of the literature in the area about certifying. The result of the study, is that we have taken up the most common remark?s. The most frequent remark is journal over routines in management of dairy cows on daily basis. Another remark of the study is that the frequency of the remarks decreases with greater production..

This Masters Thesis considers tracking of ground targets. Since ground targets often are difficult to detect with sensors a track is easily lost in ground target tracking. The main question in this thesis is whether information on close targets and observations of them can be used to make the tracking more reliable. An algorithm using Kalman filters and JPDA-association to create a group track for vehicles travelling together has been implemented in Matlab. Using the state of the centre of the group the state of a vehicle in the group can be updated.

Syftet har varit att på uppdrag av Periallo identifiera vad kunder tycker är viktigast ur ett säkerhetsperspektiv. Detta har skett genom att besvara frågorna vad som är viktigt för konsumenterna ur ett säkerhetsperspek-tiv när de handlar av små e-handelsföretag och vilka säkerhetslösningar samt betallösningar som är relevanta för små e-handelsföretag. Vi har även undersökt om det är värt för ett litet e-handelsföretag att investera i en certifiering. Arbetet har kartlagt betallösningar, säkerhetslösningar och certifieringar med hjälp av en kritisk litteraturstudie och med en enkät, det vill säga en kvantitativ metod. Resultatet av undersökningen har visat att de flesta kunderna känner sig trygga när de handlar på Internet.