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.

This paper has it?s background in Physical Activity on Prescription, a projectwhich the Swedish sports movement is part of. The study refers to a limiteddivision of sports for adults, namely a phenomenon here by referred to as dropin-activity. This form of physical activity is characterized by an understandingthat the participant often lack experience and that it is possible to pay for eachoccasion. The purpose of the study was thus to take a closer look on organized,non-profit sports clubs which offer this type of exercise for adults.

Study objects: Three different productions companies which the authors have chosen to be anonymous. Purpose: The purpose with this study is to examine why production companies choose to use 3D-animations in television commercials, and what different kind of aspects affects their decisions. Theoretical: The theoretical chapter reviews the history of 3D-animation andtelevision commercials and other fields that will be relevant laterin the analysis and discussion. Method: A case study has been made on three different companies, two of the companies are active in post-production and the other one is active in the consulting area. Data was collected through semistructured interviews with two of the companies.

For centuries inbreeding has been used to refine traits in dogs, making desired traits more hereditary and thereby, different breeds have been invented. Breed standards have been written for each of these breeds, describing in detail the different characteristics of each breed. When humans start to choose which animal to breed from, so called artificial selection, taste is put before function and the laws of nature, the natural selection, cease to apply. During this development, pedigree dogs have gone towards more and more extreme exterior characteristics and the dogs may have inherited various, more or less, severe problems for example compromised vision, impaired ability to move and difficulties to breathe. However they can still survive and reproduce because humans provide them with the conditions to do so.

Consumer Information Processing (CIP) handlar om hur vi som konsumenter tar till ossoch påverkas av den information som ständigt omger oss vid en beslutssituation. Ämnethar länge varit i fokus för forskning inom marknadsföring då detta naturligtvisintresserar företagen i hög grad. Tidigare forskning hävdar att när vi som konsumentertar till oss av de intryck som omger oss, bearbetas dessa intryck tillsammans med dekunskaper vi har sedan tidigare (bottom-up processing och top-down processing).Studier har visat att information som tilldelas oss kan ha direkt påverkan på våra sinnenoch hur vi upplever en produkt.Denna studie undersökte hur olika typer av tilläggsinformation påverkade konsumentersupplevda smak av vin. Tolv testpersoner studerades i ett experiment bestående av tresteg där olika betyg presenterades på de viner testpersonerna bedömde. Resultatet avstudien visade att kvinnor i högre grad påverkas av negativ tilläggsinformation medanmän i högre grad påverkas av positiv tilläggsinformation..

Människan har under lång tid bedrivit handel med varor och tjänster. Genom att nya hjälpmedel för handel utvecklas, förändras handeln och dess former. Elektronisk handel kan bedrivas via Internet. Elektronisk handel via Internet medför flera fördelar, men också nackdelar, problem, konsekvenser och risker för företag som inför/bedriver Internethandel.Det finns skilda meningar om huruvida specialvaror bör säljas via Internet, och om företag som tillverkar och/eller saluför denna typ av varor bör bedriva Internethandel mot konsument. En litteraturstudie och en intervjustudie har genomförts för att undersöka om det är lämpligt för specialvaruföretag att införa Internethandel mellan företag och konsument.

This thesis concerns an energy audit of a food industry. The company's business consists of boiling and peeling shrimps, and producing mayonnaise-based salads. This type of work involves energy-intensive processes, such as steam generation, compression of air and refrigeration of large spaces. These needs are supplied with electricity. Furthermore, the industry is a major consumer of district heating, particularly for heating the supply air in the ventilation system.

Bakgrund Venösa bensår drabbar oftast personer över 65 år. Befolkningen i Sverige lever allt längre, detta kommer antagligen leda till att fler kommer drabbas av venösa bensår. En etiologisk diagnos ställs av en läkare genom anamnes och en klinisk undersökning. Drygt hälften av alla bensår orsakas av venös insufficiens ofta beroende av försvagades kärl eller felande venklaffar. Syfte syftet med litteraturöversikten var att belysa sjuksköterskans omvårdnadsåtgärder som påverkar läkningen av venösa bensår hos äldre.

Purpose: To examine how a tour operator works to implement sustainability in the development of the business, as well as what significance it has to consumers in selecting a tour operator. Furthermore, the purpose is to provide recommendations on how tour operators should work to communicate their commitments.Methodology: The research strategy applied is a case study which follows an abductive approach. Qualitative and quantitative methods were applied to complement each other. A semi-structured interview with a tour operator and a consumer survey constitute the empirical foundation.Conclusion: The conclusion of the study is that consumers show a positive attitude towards CSR, but do not see it as a determinant when choosing a tour operator. Thus, CSR does not constitute a competitive advantage against competitors.

TitelKöp med hjärtat!FörfattareLiza OlssonKursExamensarbete (kort master) i medie- och kommunikationsvetenskapTerminVårterminen 2013HandledareOrla VigsøSidantal, ord85 sidor 39 065 ordSyfteSyftet är att ta reda på hur Fairtrade Sverige presenterar sig självaMetodRetorisk analysMaterialTre annonser ur en reklamkampanj för Fairtrade Sverige, tre producentberättelser från FairtradeSveriges webbsida och tre intervjuer med tre Fairtrade ambassadörer. Totalt nio texter.HuvudresultatHuvudresultatet visar att Fairtrade Sverige som organisation inte vill stå i rampljuset utan väljer attkommunicera via produktmärkningen Fairtrade-märkt. De vill skapa uppmärksamhet kring märkningen och få konsumenter att bli medvetna om den och se den som ett alternativ. De vill dock inte tvinga konsumenterna att köpa Fairtrade-märkta varor utan organisationen förlitar sig på kundens egen moral och etik. Genom ambassadörerna (Fairtrade Fan Club) vill organisationeninspirera konsumenterna att göra ett etiskt val när de handlar.

Trust is the most important thing for a webshop. The consumers must be able to feel trust to choose to submit their personal information to a webshop. In this study we examine the impact that design has on the consumers trust and confidence. We study six consumers that are engaged in e-commerce in their everyday life. By allowing these participants to be presented with two different webshops, an assessement could be made in both how much design is affecting and also which parts of the design that leads to trust and lack of trust.

The purpose of this study was to evaluate which apple cultivars are best suited for production of juice and cider. The study was limited to 41 cultivars. Common as well as uncommon apple cultivars were selected from available cultivars in the cold storage at Balsgård, Department of Horticultural Plant Breeding and Biotechnology, SLU.The practical part of the study consisted of the apples being pressed, and then the juice characteristics being assessed by appropriate criteria and methods of analysis. The analyses consisted of measurment of soluble sugars with a refractometer (Brix), titration of total acidity, determination of total phenolic content with a spectrophotometer, estimation of alcohol content by density meters and qualitative taste tests.The study did not account for different maturity of cultivars. Different apple cultivars were pressed on separate occasions, before and after Christmas 2010.

Under de senaste 15 åren har modeindustrin växt och blivit både snabbare och billigare och begreppet fast fashion har etablerats. Fast fashion är en affärsstrategi inom modeindustrin vars mål är att reducera ledtiderna från idé till butik. Strategin syftar till att tillfredsställa kundernas begär av de senaste trenderna på mycket kort tid. Fast fashion branschen kan sägas stå i motsägelse till en hållbar utveckling, då den representerar korta modecykler där kläder tenderar att bli ?slit och släng? varor.

Could patterns change the way we as consumers feel about a product as it ages and wears down? Why do some products increase their value as they are being worn downand others do not? Could the same affection that increases with your favourite jeans or an old, worn down, scratched and beautiful wooden furniture, be applied on otherproducts with different ability?s and history?The goal was to explore patterns and beautiful aging in products to increase the consumers desire to keep the well used product a little bit longer. Not to prolong the products ?lifetime? from brand new till it?s no longer inhabit their main function, but at that precise momentwhen you as a consumer decides to through it away in favour for a new, updated version. To buy ?new and fresh?.Patterns with different expressions, colouring and size, were explored that increase the value of a product which in this project contained handles and varies of surfaces on casseroles, frying pans, whisks, cutlery etc.

Physical exercise is a trend that continues to grow, especially at the gym, but there are still members that do not use their training card in full. The overall aim of this study was therefore to investigate infrequent member?s experience of their training card. To answer this, focus was on motives to card purchase and perceived opportunities and difficulties of using the training card. The data was collected at IKSU trough a group interview with four managers within the organization, a questionnaire replied by 39 infrequent members and of those 11 individual interviews.