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.

The aim of this study was to examine how adoptive parents related to parenting and how they related to their children?s biological origin. Issues that were used were how adoptive parents described their own parenting, how they described their own thoughts about their children eventually wanting to search their biological origin and how adoptive parents described the child´s country of birth attitudes towards adoptees wishes to search their biological origin. The method used was qualitative research interviews. The theory that was used for analyzing the collected data was attachment theory.

Adolescence is a turbulent time in life and gives rise to new information needs for young people. Information needs related to school subjects have been relatively well researched but few studies have focused on information needs and use related to life concerns. The purpose of this Master's thesis is to examine the information needs of a number of teenage girls in relation to their life concerns and how they meet these needs. The sample consists of twenty-one girls aged thirteen and fourteen. The research is based on literature studies and qualitative interviews combined with a questionnaire.

The aim of the study was to examine how substance abuse influences social relationships to families, friends and others. Five ex addicts in a treatment centre were interviewed. We used thematic interviews with themes that we regarded as relevant for our study. In the analysis we applied the theoretical concept of symbolic interactionism. Theories of emotions also helped us to explain feelings that arise in the social relationships.

Place is on the one hand a commonsense everyday word with diversely connotative meanings, and on the other a contested concept with different interpretations across a broad range of academic disciplines and discourses. This thesis researches theories of place and their implications for the theory and design practice of landscape architecture. Responding to problems of insufficient theoretical grounding and inconsistent use of the concept of place within the discipline presently, it argues the need for a theory of place better articulated in relation to landscape architecture. It seeks to contribute to such theory formation by drawing on ideas from related disciplines ? tracing diverse understandings of place beyond the commonsense meanings of the word and into the deeper reaches of place theory as tools to explain physical, social and spiritual aspects of the environment, and human relationships with it.

A global world and international business induces not only opportunities for organizations such as increased possibilities to reach new markets but also challenges to maintain a coherent business. To meet these challenges, organizations need to harbor a global workforce where employees are sent abroad. These employees are called expatriates and receive very lucrative compensation packages to cover their increased expenses. Compensation packages are not only expensive but represent in their totality also a complex strategic challenge for both the organization and the expatriate. The purpose of this paper is to investigate which components of a compensation package that are important for different segments of expatriates.

After having worked within the preschool and it?s system for a number of years, we have often reflected over the fact that many educators tend to look at children with language difficulties in several different ways, and many of them being conflicting. Something that might contribute to this problem is the fact that the term itself, language difficulties, is defined differently between individuals, who in turn affects the way educators and preschools deal with the problem.The aim of this study is to create an understanding of the problems related to language difficulties, and how it is being dealt with within the preschool environment. To achieve this we have chosen to work within a qualitative research approach, alongside a discourse analysis. The selection of informants we have chosen consists of ten, qualified educators.

Accessibility is today a topic of high current interest. It is a requirement for equality and a democracy question. By the year 2010, easy measured hindrances in all of Sweden's municipalities should be cleared away; this is stated in Swedish law. The physical accessibility to our public places is particularly important for functionally disabled people since it affects their possibilities to be outdoors and also their participation in society. When designing these places, it is difficult to find solutions that fit everybody, especially since good accessibility not only should fulfill all physical requirements of accessibility but also values of experience.

The purpose of this study is to analyze the phenomenon of ?electronic bullying?, and furthermore to describe how this phenomenon is perceived by teenage girls with language disorders in combination with autism spectra. The conclusions and result from this study is derived from six in-depth interviews, thereof four being with girls with autism spectra diagnosis and all but one diagnosed with language disorder in addition (referred to as main respondents). The two reminding girls neither had language disorder nor autism spectra (referred to as comparing respondents). They were added to the study for the purpose of comparing their experiences and descriptions of those with language disorder and/or autism spectra diagnosis. For interpretation and analysis of study result, I have applied the method of phenomenology.                              The study?s main respondents had own experiences in the area of electronic bullying, albeit their level of knowledge of the subject were very limited and they had problems to interpret information given.

Syftet med denna studie är att undersöka om det finns ett samband mellan opredicerbara föräldrar och förekomsten av både interna och externa beteendeproblem hos ungdomar. I studien undersöks interna beteendeproblem såsom låg självkänsla och depression samt de externa beteendeproblemen brottslighet och aggression. Studien baseras på 1018 ungdomar i åldrarna 13- 15 år. Studien utgår från en enkätundersökning där fem olika skalor används för att mäta ungdomarnas självkänsla, depression, brottslighet och aggression samt hur konsekventa deras föräldrar är. Resultaten visar i allt väsentligt att de ungdomar som har både interna och externa beteendeproblem är de som rapporterar högst i opredicerbarhet hos sina föräldrar..

Background: The intention of this study was to clarify the patients perspective of what it means to suffer fiom documented restenosis after one or more Percutaneous Coronary Intervention (PCI). Aim: The aim of this qualitative study was to ascertain the patients experience of restenosis. Method: Nine patients were interviewed. They had undergone at least one PC1 and two had also undergone Coronary Arterio Bypass Grafting (CABG). Data collection and analysis were done simultaneously according to Grounded Theory methodology and were continued until new interviews provided no additional information, i.e saturation was met.

Sweden?s forestry legislation was updated in 2010 and a new definition of forest land was introduced. This definition was adapted to the one used by the Food and Agriculture Organization of the United Nations (FAO) for international statistics on the state of the world's forests. It is in short based on the lands ability to grow forest that reaches 5 meters, 10 % canopy closure and has a continuous distribution, according to FAO at least 0.5 hectares. A country-wide laser scanning is now carried out for the production of a new national elevation model; the laser data also provides information on forest height and density.

This paper aims to deepen the understanding of how the European Council frames the climate crisis and its implications for political legitimacy and policymaking. The climate crisis is one of the most pressing challenges of our time, influencing not only environmental systems but also societal structures and governance. By analyzing the European Council?s framings during the 2019?2024 strategic agenda, this research investigates how political actors shape narratives to justify actions and policies in response to the climate crisis. Through a discourse analysis of official Council conclusions, using a framework drawing on six typologies of framing, the research examines the Council's evolving narrative in the context of multiple crises, including the COVID-19 pandemic and the war in Ukraine.

In this report a study is carried out with the aim to identify added values of EPC projects implemented in schools in order to increase the interest of EPC projects on the market. The report examines how the planned maintenance, supervision, maintenance and corrective maintenance is affected, how insurance premiums and terms are affected, the indoor environment and how the tasks of the operating staff is changing. A literature study of energy savings, energy use in schools, maintenance and insurance as well as how energy efficiency improvements are related to the Swedish environmental objectives has been made. Visits were carried out in Ludvika, interviews were also carried out with operation technicians and local strategists in Ludvika as well as employees of insurance companies.Schools often have neglected maintenance and problems with ventilation and indoor environment. Schools also have a large energy saving potential due to their low utilization, mainly because they are empty parts of the year.

AbstractValue Added Tax, VAT, is a general consumption tax that is added to almost all consumption of goods and services. Despite the extensive work of harmonization of the VAT system relating to electronic services, it can be difficulties in determining the taxable land, something that could affect the internal market in a negative way. The Swedish companyStardollABwas double taxed on certain electronic services that they provided consumers in theUK. The problems that lead to double taxation must be identified to ensure free competition and free movement within the internal market. The principle of neutrality pervades the whole of the EU VAT system which can be derived from principles of the Treaty, establishing the common market, and the introduction of the VAT Directive.