Problem Discussion: Today the banks manage three central products: mutual funds, mortgages and bank accounts. Banks have authority and credibility, the services and the products they offer and sell can sometimes be difficult to understand. Customers are offered a large number of investment options with varying risk profiles. These developments have created an increasing need for knowledge and information among customers. The financial advice that the financial firms provides, remains a very important activity from a customer view.

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.

Companies spend huge amounts on communicating their brand through marketing. Many of these contact areas where the consumer comes in contact with the brand is con-trolled by the company. The brand image is also affected from outside the company. It can be from users, media, blogs etc.Burberry is an example of a company that got in trouble with their brand image after hooligans where associated with their products. If a company with a brand with a strong image is associated whith consumers that are not compatible with the target group the company wants, there is a risk of a negative affect on the brand image.Our purpose is to investigate and describe the phenomenom when a company brandimage is affected by being associated whith consumers not compatable whith, by the company, intended target group.We have chosen a qualitative research where we use a multiple case study.

The Swedish system of environmental quality objectives is a so-called MBO, Management By Objective and has the purpose to guide the Swedish society towards sustainable ecological development. The system involves the whole society from the parliament and the government down to individual citizens. At the regional level, it is the county administrative boards that are responsible for the work with the system of environmental objectives. At the County Administrative Board of Västmanland County, it is the environmental unit who is in charge of work with the environmental objectives and they want input for how to improve their work with the environmental objectives, both internally at the Administrative Board and externally with external parties.The main purpose and goal of the study is to present the work of four other county administrative boards regarding their work with the environmental quality objectives and to identify external parties? opinions of how they want the County Board of Västmanland county to work with them in this matter.The work is designed as a case study of four county councils, where the environmental objectives coordinators at the four county administrative boards were interviewed about their work with environmental quality objectives.

Being an architect I create spaces with roof, walls and fl oor. The availability of the essential materials to create such spaces is practically unlimited. The materials also play a significant part to the character of the created space. I hope to contribute to the general understanding of materials as elements in the design of urban spaces by having intensely explored one specific material in depth, pointing out its bad and good qualities. I am of the opinion that the reason for choosing a material shouldn?t be because of a shortage of knowledge, facts or references, but what character you want for the room. When travelling across Europe, it sometimes feels like clay paving is everywhere, but back in Sweden it is almost unseen of in modern landscape architecture.

Fönster blir idag en allt viktigare del av en byggnads klimatskärm. Det ställs därför krav på olika funktioner vilka måste uppfyllas oberoende av fönstertyp. Då glas blir vanligare i moderna konstruktioner ställs det högre krav på värmeisolerande förmåga. Cirka 35 % av en byggnads värmeförluster sker genom fönster. Detta ställer krav på tillämpning av energieffektiva fönster vid ny- och ombyggnad. Underhåll av fönsterkonstruktionerna är en oundviklig detalj och måste ske någon gång under en byggnads livslängd.

The globalization of political and economic processes is a growing moral concern for theologians and political philosophers alike. My thesis aims to outline, analyze, and compare church studies of globalization with global theories of justice.To do this, I draw upon recent studies of globalization made by the World Council of Churches (WCC) and the Lutheran World Federation (LWF). The WCC and LWF are two global reaching church organizations. They have a common aim of uniting churches for ecumenical dialogue and are involved in social, economic, political, and ecological questions. The WCC and LWF analyze globalization by applying biblical and theological principles from the Christian tradition.

Värdeflödesanalys är ett ofta använt verktyg inom förbättringskonceptet Lean och syftar till att eliminera slöserier i processer och erhålla en högre resurseffektivitet. Värdeflödesanalys har sitt ursprung i produktionssektorn men har utvecklats till att användas också inom tjänstesektorn även om det fortfarande inte tillämpas i lika stor utsträckning där. Reklamationsprocessen är just en sådan tjänsteprocess som detta examensarbete syftar till att undersöka.Målsättningen är att framlägga resultat som bidrar till att ABB Control Products kan lämna svar till kund inom 10 arbetsdagar från mottagande av returnerad produkt. För detta ändamål kartläggs ett antal avslutade reklamationsärenden bestående av produktfamiljerna kontaktorer, mjukstartare och tryckknappar. Dessutom följs ett mjukstartarfall i realtid genom reklamationsprocessen för att direkt kunna observera hur arbetet går till.Det kan konstateras att den främsta anledningen till att ledtiden för reklamationsärenden idag är för lång är att det samlas stora lager vid varje processteg.

The globalization of political and economic processes is a growing moral concern for theologians and political philosophers alike. My thesis aims to outline, analyze, and compare church studies of globalization with global theories of justice.To do this, I draw upon recent studies of globalization made by the World Council of Churches (WCC) and the Lutheran World Federation (LWF). The WCC and LWF are two global reaching church organizations. They have a common aim of uniting churches for ecumenical dialogue and are involved in social, economic, political, and ecological questions. The WCC and LWF analyze globalization by applying biblical and theological principles from the Christian tradition.

Society?s interest for environmental issues was reinforced in the 1960:s when the book by Rachel Carson, ?Silent Spring?, came out. She described a picture of a world without birds singing and this got the environmental debate going. Today, this debate has reached the corporate world since stakeholders are putting pressure on companies to show greater environmental awareness. Many companies show uncertainty when they are faced with these new market demands.

For a long time I have felt that there is a lack of time planning productson the market that attracts me to use them. Therefore I wantedto explore the possibilities of developing something that I reallywanted to use.At first I tried to come up with a more general tool for planningand structuring time, different from the products that are alreadyavailable. But soon I found it more interesting to see myself as theprimary user. This way I felt that I could experiment more and Ididn?t have to take things like production, cost and possible targetgroups into consideration.As I set out with an aim to try and understand my own problemswith planning and structuring time the project became a very personalone.

The review of Integrated green spaces in urban areas ? A case study of inner Brisbane highlight the significance of addressing characteristics, qualities and landscape values in our outdoor environment. The importance of green spaces to the wellbeing of people in the city and the ecological, social and cultural values they carry are widely recognised in the field of urban and regional planning. At the same time population growth, climate change and urban development put planners and scientists in a challenging position where new solutions must be put on the agenda in order to accomplish sustainability. Open space strategies, collaboration between stakeholders, public participation, learn from earlier failings and a ?value-led? approach facilitate the managing of open space. Brisbane is located in the fastest growing metropolitan region in Australia. The city´s open space landscapes offer cultural, geographical, recreational, social and scenic amenity assets, which make a major contribution to the regions identity they a wide world known for.

This essay will discuss consumption as a strategy for creating one?s identity for persons with visible disabilities. Along with this, questions asked and answered are concerning how lack of inclusion in the fashion industry affects the informants? consumption of clothes and how the informants discuss identity in relation to their disability. Compulsory able-bodiness (McRuer, 2006) is a main theory that will influence both the discussion and the results.

AbstractA continuous improvement of products and production is an important goal for a modern industrial company. A small engineering group located in Sweden came in touch with the authors of this report during the spring semester of 2014. The aim of this report is, as part of the group´s ambition of improvement, to analyse ways in which the quality of component casted parts can be verified. Non-destructive testing (NDT), and methods to use it for quality control, is the main focus of this report. However, fields such as material standards, component casting and quality engineering are analysed as well.

This study is made in cooperation with the insurance company, Skandia. Skandia is a part of Old Mutual group?s Nordic division and is one of Swedens largest insurance companies with a total of 1.9 million customers. The company offers traditional life assurance, unit-linked insurance, private healthcare insurance and banking services. Insurance companies such as Skandia operate in a highly competitive environment.