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.

Because of the mass tourism industry that exploits sensitive locations all over our planet a new kind of tourism came into focus in the 1980?s. This new form of tourism was named ecotourism, and as the name reveals ecotourism deals with low-impact travel. Today, all sorts of places can be gazed upon in a flick of a switch; all you need is a television set. It is well known that destination marketing successfully uses visual media as a tool to sell trips to potential tourists.

The purpose of this article has been to elucidate social secretaries? and teachers? experiences of collaboration around children in need of society?s intervention. We wanted to examine what the difficulties could be, according to their experience, and how they handled them. Additionally our aim was to analyze whether their method of dealing with the obstacles were likely to succeed, viewed from the perspective of system theory. In order to achieve our purpose we used a qualitative method and interviewed four social secretaries and four teachers.

SJ is a government-owned passenger train operator in Sweden. SJ currently uses asystem called Ford for control and monitoring of maintenance. Technical andorganizational factors have given Ford the character of a monolithic system withoutflexibility and conditions to meet SJ's increased requirements.The main purpose of this master's thesis is to investigate how data quality can bedefined at SJ and to examine the data quality in Ford. This will give SJ an indication ofwhat their quality efforts should focus on in the future.The technical data quality parameters found are: accuracy, timeliness, completenessand consistency. The user centred data quality parameters are: accessibility,understandability and reliability.

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.

The purpose of this study was to explore the experiences of being a homosexual immigrant in the Swedish society. Our questions were how the interviewed homosexual immigrants experience being treated by the people in their surroundings and how they are influenced by their attitudes. We also wanted to know what kind of thoughts they have about affiliation considering origin and sexuality, and what positive and negative aspects they experience from the combination of being both homosexual and immigrants.To get the answers to these questions we used a qualitative method and interviewed seven homosexual immigrants between the ages of 25 and 40 years. We then compared our material with earlier studies of the living situation of homosexual immigrants in Sweden, Denmark and Norway. We also linked our findings to Goffman's stigma theory and to heteronormativity.The main result was that the combination of homosexuality and immigrantness can result in various difficulties.

The aim of this study was to describe how persons with Whiplash associated disorder experience how the pain affects them in their daily life. The design of the study was descriptive with qualitative, individual interviews, questionnaire with background facts of the examination group, and diary notes from persons with pain of WAD. Method for selection was convenience. Through contact with the association of whiplash group in a county in middle of Sweden, the majority of the examination group for the study was found. Five persons where given information about the study, one of them choose not to take part of the study, and one of the persons did not complete the study.

This study examined parenting in relation to ADHD. The key point of the study was to let parents who experience an ADHD diagnosis share their view on parenting. The research required a comprehensive literature search, partly to examine earlier research in the particular field but also to gather information on parenting. One focus group interview and three semi structured interviews were used to gather relevant information. Informants were recruited from a project for individuals with neuropsychiatric disabilities.

Swedish childcare has undergone radical changes in the last 15 to 20 years. It has evolved from kindergarten to pre-school, in other words, gone from simple childcare to an active learning environment with the child as the center. Official documents, such as the pre-school curriculum and other guide documents, define the role and work ethics of the pre-school teacher. In my thesis I argue that it is essential to have an ongoing and continuous discussion at pre-schools on the practical applications of these frameworks and ambitious goals.What do you do when you simply cannot give every child the individual time they should have according to rules and regulations? How do you stay an active and present pedagogue in today?s pre-school with large classes and heavy workloads? How do you establish a common professional work ethics within a pre-school so that all children are treated equally? In my scientific essay, I examine these issues based on a real-life situation: Ellen in the hallway.A pedagogue must continuously make balanced decisions based on rules and regulations, on life- and work experience which, in many cases, contradict each other.

Introduction: Pain is a subjective experience. People subjected to pain often experience a reducedquality of life. Chronic pain is pain that has been going on for at least threemonths.Problem area: People with chronic pain are subjected to unnecessary suffering and disability. Therefore it is crucial that the nursing staff takes their situation seriously.Purpose: The purpose of the study was to describe the patient's? experiences and apprehensionof living with chronic non-malignant pain, and how this affected their everydaylife.Method: Systematic analysis of 23 depicting articles.

The aim of this thesis is to investigate how children experience librarians, their knowledge, assignments and appearance. The children?s thoughts about libraries and librarians in general are also studied. Empirical data has been collected by interviewing children aged 8-12 years old. The method used is qualitative interviews performed individually, in pairs and groups.

In order to get a better understanding of the interaction between employees and their technical work tools one needs to know what factors influence the interaction. The purpose of this study was to examine if there is a correlation between the personality traits Extraversion (E) and Neuroticism (N), tested with Eysenck Personality Inventory (EPI), and experience of the new Intranet among employees at The Swedish National Transport Administration (SNTA), and also to gather information of employees? opinions about the new Intranet. A survey, containing questions about the Intranet and a personality test (EPI), was posted on SNTA?s Intranet for eight workdays (N = 88, females = 53, males = 35).

The purpose of this study is to examine how young people with experience of running away and/or getting thrown out look upon and understand the phenomenon. Another purpose of thestudy is to examine how the youth evaluate the help and support they did or did not receive at the time of their experience, as well as to examine what the ultimate help and support would be according to them. The study was done in a qualitative approach with the use of focus groups and individual interviews. The results were analyzed through the perspective of the ?sociology of childhood?.

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.