Title: Nordea Life and Pension during financial crisis Subject: Business administration, Candidate thesis 15 p. Authors: Seyithan Öngörur och Adnan Yari Instructor: Peter Lindberg Date: 2010-01-13 Key words: Nordea, the financial crisis, advice, marketing, customer relationship Purpose: The purpose of the study is to provide an understanding of how the financial crisis has affected Nordea Life and Pensions market growth based on market share. We also want to give an understanding of what factors may be responsible for the outcome that it may be helpful in future financial crises. Method: A qualitative study was the basis for the study, where three interviews were carried out by the respondents from Nordea Life and Pension.  Theory: In this section we have focused on relevant theory and has divided them into different themes, advice, current legislation, marketing, consumption and buying behavior. Conclusion: The study shows that Nordea Life and Pension had a positive growth during the financial crisis and a number of factors are presented that may be the basis for the outcome.Proposal for further research: Since this study was limited to one company it may be intresting to investigate and examine the consuling industry market as a whole affected by the financial crisis. Contributions: This paper has provided an understanding of how Nordea Life and Pensions affected during a financial crisis, based on market share and the factors that may have been the basis for this..

I Sverige användes det år 2010 ca 907 miljoner kubikmeter dricksvatten från kommunala uttag. Allt detta vatten måste kunna transporteras, vilket görs genom vattenledningar. För att dimensionera dessa krävs att man vet hur mycket vatten som skall distribueras och hur det varierar bl.a. beroende på när under dygnet, veckan och året som uttag sker.Vid dagens tillvägagångssätt för dimensionering av vattenledningar till nya områden använder man bland annat typexempel på förbrukningsvariationer under dygnet för ett liknande område. Dessutom används erfarenhetsbaserade värden på maxtim- och maxdygnsfaktorer.Dagens dimensioneringsätt har ej kunnat säkerställas på grund av otillräcklig och bristfälligt detaljerad data över förbrukningsmängd.

Nipahvirus is most likely spread from bats to other species and causes lethal encephalitis in humans and respiratory illness in pigs. Different species are affected with varying severity but it seems to have an unprecedented zoonotic capacity and the humans affected either die or receive permanent brain damage. Full recovery is possible but very uncommon. Pigs that live and are bread in the areas that these bats frequent are constantly in danger of contracting pneumonias and meningitis and they can spread the virus further on to the people who work with the pigs and process their carcasses. These workers could then infect other humans in their immediate surroundings, their families for instance.

Compulsive gambling has lately become a more common and serious issue in our society. The number of compulsive gamblers is constantly increasing alongside the growth of the gambling industry and the consequences of compulsive gambling include both economical and social disasters. Every addiction has a start, and so does compulsive gambling, which is why we chose to perform a survey in order to determine the possible causes to why individuals are drawn to gambling and what leads them into compulsive gambling, and also during which circumstances do they find the strength and will to come out of their addiction to gambling. The theories that are used in this paper include globalization, socialization, Bauman´s consumption society and empowerment, alongside the six phases of gambling by Custer and Milts, describing the way in and the way out of compulsive gambling. This survey is one of the qualitative kind, which means that the chosen theories are connected to the ten interviews that were done with gamblers of various kinds.

The annual demands for forest fuels increases in Sweden. At present, large unutilized biomass resources is found in young, dense forests from which about five million oven-dry tonnes (ODt) (23 TWh) could annually be extracted as forest fuel. But harvesting small trees give high logging costs and new cost-efficient harvesting techniques are therefore required. The aim was to study the productivity of Vimek 608 BioCombi in forest fuel thinning of Lodgepole pine and to calculate the economy of the harvesting and estimate the thinning quality. The time study was performed in Åmarken in the county of Västerbotten.

As a consumer often chooses product or service to satisfy the specific needs or desires. However, there is more often than not several brands that manufacture the same product, which means we also have to choose between these brands before we can calm our needs. This choice is usually an active decision. We choose a brand that we are familiar with, or a brand whose identity appeals to us. The brand thus has a major impact on both consumers' decision-making in connection with the purchase, but also for business success.

The business world has been through an extreme transformation over the past decades, which have forced companies to look at themselves from a new point of view. Consumers have a complete new set of ways to gather information and are more motivated than ever to make sustainable consumption choices. This change of attitudes among consumers has made companies focus on other things than price versus quality. A whole new concept has been brought up to questioning: environmentalism. Consumers demand more organically produced products.

In order to avoid harmful substances ending up at the municipal sewage treatment plants, it is important to purify the wastewater at the source. One such source is the wheel washers available in many tire garages which are used to wash the wheels on our vehicles when we change between summer and winter tires. It is important to wash the wheels before storage, to extend the tires lifetime. The purpose of this study is to find a green innovative solution for reduction of emissions of heavy metals at the source, so that the sludge from the sewage treatment plants can be used as fertilizer. The target is to find a wheel wash method which leads to compliance with the guidelines for car washers, and that also provides a better washing result than with the existing method.

The Internet is a constant source of information about the world and has contributed to the globalization of texts and pictures. A part in the tourists process of consumption involves looking at pictures and read about places that create an image of places that they have never been to. Websites are therefore important as a first impression and it is here that places are being represented. Places are created on the Internet and the Australian outback is an example of this. The study is interesting because it can be used to understand the relationship between people and places.

An increase interest of new methods and tools has begun to grow in the real estate business, this new trend causes an increase in new programs that aim to simplify processes of energy-efficiency and environmental issues.After consulting with Björn Alsmark from Bjerking AB, an architect and engineering company, we made a decision that the Degree Project is going to examine the program IES (Integrated Environmental Solutions) with some integrations from Revit Architecture application.To be able to examine IES, we got access to a completed project from Bjerking. The project is a nursery school in Uppsala. An application has been handed in from Bjerking to make this project to a Green Building-certificated project. According to Bjerking own calculations (with the energy-calculation program Enorm), the consumption of energy of the nursery school is 48 percent lesser than required by BBR.An evaluation of IES and Enorm has been made with an aim to compare these two programs and find out if IES is an appropriate program to replace Enorm. Does Enorm or IES come up to BBR´s recommendations?The Degree Project cover 15 ECT, that required several adjusting and delimitations, and the study sketch ended with a literature study.After finishing the study sketch the modeling of the nursery school began.

Few would disagree that the media landscape has undergone significant changes the last decade. From bulky computers and plain mobile phones to portable High-Definition computers and multi-functional smartphones. Other media, such as newspapers and music, have evolved and prospered in a digitalized environment. The constant urge to digitalize aspects and functions of our daily lives seems almost instinctive. Television has taken further steps into this environment as it is now accepted and featured via the Internet.

The present study discusses the metabolism of ethanol in the human body from the ingestion of ethanol to the excretion of its break down products water and carbon dioxide. Ethanol is a small molecule, soluble in water as well as in organic solutions. It is quickly distributed to every section in the body, where it exerts a direct toxic effect on the cells. Ethanol cannot directly leave the body efficiently so it needs other metabolic pathways. The molecule is metabolized by oxidation, predominately in the liver.

Cultivable land is a limited resource and agriculture contributes to some of the most serious environmental problems facing the planet like, global warming, eutrophication and loss of biodiversity. The specialized, industrial agriculture with monoculture and extensive input of external energy, commercial fertilizer, and chemical pesticides are all essentially unsustainable. An adaptation to other methods of production is necessary to preserve the environment for future generations. The aim of this study is to describe the factors that distinguish sustainable from unsustainable agriculture. The results will be used to examine if and how the European Union (EU) works in order to create a more sustainable agricultural industry and to analyze the preconditions for such development.

Commonly held dietary guidelines discourage full-fat dairy consumption due its to high levels of saturated fatty acids, which are believed to aversely influence cardiovascular disease risk. Cardiovascular diseases cause more than one third of deaths in the developed world. With dairy often providing a large part of energy and nutrients in Western diets, research into its effects on human health is warranted. Several recent studies have suggested a protective role of dairy in the development of cardiometabolic disease. However, many of these have used imprecise methods of dietary assessment, based on questionnaires or interviews. Biomarkers are emerging as a means of evaluating diet in a more objective way. Currently used dairy fat biomarkers are minor fatty acid constituents of dairy that preferably are unique to dairy and not influenced by endogenous metabolism.

In a society where children are getting a bigger influence over the family?s consumption and where more products for children are purchased, the market for children products has expanded. This growth is due to a higher amount of older parents which have a god economy and are choosing to spend more money on products for their children. Also the fact that parents use fashion products for children as a way to reflect their own status and that children are becoming more fashionable and aware of trends have contributed to the markets expansion. All together this leads to a grown importance of knowledge for marketers concerning the market.