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.

Bakgrund: De flesta är medvetna om att vi matas med och påverkas av varumärken, men sällan om det arbete som ligger bakom ett varumärkes uppbyggnad. Därför är det av stor vikt vid varumärkesuppbyggnaden att förankra de värderingar som företaget vill positionera sig med. För att i sin position kunna differentiera sig gentemot konkurrenter med ett starkt varumärke måste företaget kommunicera samma värderingar, både i den interna och externa marknadsföringen för. Det finns de som anser att man kan utföra detta genom marknadsföring på två skilda sätt, genom att agera ?marknadsförare? eller att agera ?försäljare? gentemot sina kunder, där ?försäljare? ofta är bättre på att skapa relationer där kunden rekommenderar företaget vidare än en ?marknadsförare?.

Abstract Back ground: Home based care is a meaningful activity giving patients and their families a chance to live their lives as close to normal as possible. Advanced palliative care is today provided at home, although geography does play a role in shaping that care. A rural setting can mean that conditions for such care differ from those in urban areas.Purpose: To describe the experiences of district nurses in palliative home care settings in a rural community.Method: Semi structured interviews with seven district nurses. The interviews were recorded digitally and transcribed in a precise fashion. A method of qualitative analysis of the contents, inspired by Burnard, was used to analyze the material.Results: Palliative care places high demands on the competency and experience of district nurses.

Denna uppsats redogör för regering och riksdags samt högskoleledningars uppfattning om nivån på andraspråksstudenters språkliga kompetens i det svenska språket. Uppsatsen visar hur dessa instanser anser att högskolor och universitet bör arbeta för att höja denna kompetens hos studenterna, där det behövs. I ljuset av denna politiska diskurs undersöker och beskriver uppsatsen hur skolor runtom i landet svarar på regeringens krav och hur kraven påverkar det arbete de för inom sina studentstödsverksamheter, de så kallade Studieverkstäderna. Uppsatsen är till sin karaktär dels en presentation eller ?positionsrapport? av verksamheternas arbete i nuläget och dels en inventering både av den problematik som studentstödsverksamheterna arbetar med och av de krav som de politiska instanserna ställer på andraspråkselevers språkkompetens.Den teoretiska grunden för uppsatsen är forskningen inom interkulturell retorik, speciellt viktig är community of practice-teorin, som innebär att miljön formar grupper som hålls samman av det de gör; exempelvis kan en gemensam språklig praktik forma en sådan sammanhållen grupp ? en community of practice eller språkgemenskap.

Aim: Many people react negatively when they find out that I work as an estate agent. They believe that estate agents earn more money then they should. What many do not know is how hard we must work and that it doesn´t suit someone who is looking for an 8-17 work. As an estate agent I thought it would be interesting to found out why the estate agents have such a bad reputation.Method: This essay is based on the interviews with estate agents and branch organizations but also on newspaper articles about real estate agents. Theory is collected marketing, where I have concentrate on concepts of branding, positioning, communication and image.Result & Conclusions: The factors, which I found in my investigation, that have an effect to the bad reputation are; media, commission, the customers and the bidding.

Diversity of ground beetles (Col: Carabidae) in managed riparian grasslands. The carabid community in moist seminatural grasslands was studied at three different sites in mid-Sweden. Pitfall trapping was carried out during six weeks in spring and early summer 2003. Eight transects, each containing seven pitfall traps, were placed in three different management regimes, either late or continous grazing, or meadow. The species composition was analysed by ordination analyses, i.e. DCA and CCA.

Storbritannien har traditionellt sett bejakat kulturell mångfald som en del av det brittiska samhället, ?en gemenskap av gemenskaper?. De våldsamheter som uppstod mellan asiatiska och vita ungdomar, polis och medlemmar ur högerextrema organisationer i flera nordengelska städer sommaren 2001 markerade emellertid en brytpunkt i den brittiska diskursen om integration och kulturell mångfald, vilken förstärktes ytterligare i de politiska svaren på självmordsbombningarna i Londons tunnelbana 2005. En rad utredningar och rapporter publicerades som signalerade ett tydligt politiskt skifte från fokus på antirasism och skillnadstänkande till en betoning av en gemensam nationell identitet över de kulturella skillnaderna och vikten av att skapa sammanhållning kring en uppsättning ?brittiska värden?.Med hjälp av Laclau och Mouffes teorier identifikation, gruppbildning och makt och Foucauls fokus på problemformulering, analyserar jag hur makt på olika sätt aktiveras i den nya sammanhållningsagendan och problematiserar de processer genom vilka den brittiska regeringen försöker skapa en förstärkt nationell gemenskap.

The object under investigation in this Master?s thesis is students? information use in connection to Bachelor thesis writing. The purpose of the study is to increase understanding of why nursing students and product engineering design students are using information in such different ways despite their comparable starting point. The empirical material consists of 18 student theses and a document comprising directives for thesis writing that are analysed from three different theoretical perspectives. A citation analysis of all 18 theses is carried out.

Titel: Hur står sig de billigare substituten emot premium produkter?Nivå: C-uppsats i ämnet företagsekonomiFörfattare: Giancarlo Mancuso & John GustafssonHandledare: Jonas KågströmDatum: 2012 ? MajSyfte: Syftet med denna uppsats är att vi vill undersöka hur de billigare substituten står sig emot premium produkter genom att ställa de emot varandra i ett blindtest föreslagits av tidigare forskning Ogenyi Ejye (1994). Vi vill veta om det finns en stor skillnad mellan de billigare varianterna och de premier produkterna enligt tidigare gjord forskning.Metod: Vi har utfört ett experiment i form av ett blindtest där vi sätter fyra olika Cola sorter emot varandra. Under genomförandet av experimentet har vi använt oss utav enkäter för att samla in data. Detsamma gäller för vår webb undersökning.Resultat & slutsats: Det vi kom fram till i vår undersökning är att varumärken påverkar oss konsumenter både positivt och negativt.

This thesis takes its starting point in the humanistic cultural-geographical concept of place, with the aim of achieving a greater understanding of what constitutes the place Mon today. Mon is located in the northwestern part of Dalsland. Until 1879, the area was described as outlying land, but with the extension of the railway between V?nern and the Norwegian border, Mon's station community emerged. In the mid-20th century, all activities in Mon were phased out, and since then, the place has been inhabited by only about 10 year-round residents.

I am in this essay to find out how to successfully combine new development with preservation of natural values, mainly large scale vegetation and ground formations.This is done by studies of three developments. The first development, Engeltofta backe, lies 7 km northeast of Gävle. The expectations of natural preservation were not fullfilled when this area, after the explotation, did not have any vegetation of value left. The second example, Östra Kvarnskogen in the community of Sollentuna, shows, as far as one can tell at the moment, a sucsessful combination of new development and preserved nature. The third example is a development in the community of Kullön. In this area the ambition of combining preservation and development was fullfilled. After studying vital documentation in each planning process, I made interviews with different actors in each of the three processes. I thereafter compared the different documents and answers from the interviewed persons to find out if there were any significant similarities or differences which could be of importence when natural values is to be preserved in new developments. My conclusion of this study is that it is of great importence to define key expressions often used in the process, such as natural values and preservation.

A school is a social area in which children and adults meet each other. The school is were friendship, love and also enmity arise. The process to establish, maintain, split up and end relationships is constantly continuously. A Childs way of creating relationships is complex. Bullying and similar offending treatment occur and has always been a huge problem in school.

This report describes the development of an application in collaboration with Designingenjörerna AB. The company has worked for a long time with a community platform and they required an application where users can create their own unique profile representations, called Avatar Creator. An Avatar Creator is computer based application, which makes it possible to create a virtual character. The problem area behind this is that, large websites require a lot of administrative work when people upload profile pictures on different community pages. They can contain abusive material or pictures of other people rather than those who created the profile.The questions in this report are, how can an Avatar Creator help user to get a unique profile of himself? What are the advantages and disadvantages of an Avatar Creator? How to create a user-friendly application?To understand how an Avatar Creator works and get ideas to create an application, exiting Avatar Creators were reviewed on the Web.Collaborative work with Designingenjörerna AB was done to pin down the requirements for the Avatar creator application.

The Somali community is relatively new in the UK and the majority of Somalis in Bristol are living under poor conditions in deprived areas. According to literature and research relevant for this study ethnic identity seems to be of more importance when threatened by environmental or social changes, such as experiences of migration. Young people are more exposed to such a process of identity construction. The aim for this study was to get a more profound understanding for the significance of migration for young Somali people?s identity formation in Bristol.

The thesis "Jaummuov?rrie Flower Meadow: An Assessment of Species Diversity and Cultural History," provides a detailed botanical examination of Jaummuov?rrie flower meadow in the Ammarn?s area, focusing on its biodiversity and cultural significance. The study aims to evaluate the species richness of the meadow and explore its role in the cultural heritage of the region. In addition to its ecological importance, the thesis delves into the cultural history of Jaummuov?rrie flower meadow, tracing its significance to the local community and traditional practices.