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.

Uppsatsen diskuterar huruvida en ökad reglering av fastighetsmäklarbranschen kan hämma och skada effektiviteten på mäklarmarknaden. För att ge en bredare kontext som kan belysa frågeställningen har en översiktlig jämförelse gjorts mellan Sverige och England..

Industries with energy costs as a large proportion of their total costs are greatly affected by the instruments deployed to cope with the Swedish climate and energy policy goals. With energy costs representing more than 30 % of the total costs, tomato cultivators are one of the affected industries. In order to remain competitive with other countries, a more resource- and cost-efficient cultivation of tomatoes in greenhouses is desirable in Sweden. Based on the concept of industrial symbiosis, this study investigates the prerequisites for a resource-efficient production of locally grown tomatoes in Sweden through the utilization of low grade industrial waste heat. The study is based on the foundry industry as the supplier of waste heat.To investigate the environmental, technical and economic potential of the exchange of waste heat, a comparative life cycle assessment, an inventory of the supply of industrial waste heat in Sweden, a compilation of potential technologies for the recovery of low grade industrial waste heat for heating greenhouses and a comparative life-cycle cost calculation were carried out.

We are living in a multicultural society where people from other countries and other cultures are coming to Sweden, including children. Regardless of reasons why these students have come to Sweden, it is common that they are newly arrived and have to learn a second language, in this case Swedish. This will be a challenge, opportunities and difficulties for the student, students? families and for the school and their staff.The purpose of this essay has been to illumine the teaching methods, models and what materials are used by teachers today to contribute to the best possible second language learning for newly arrived students. In this essay the focus has been on one theory and several model-based approaches.

Problem Discussion: Nissan Diesel became a part of the Volvo Group in the end of March, 2007. A year has passed and the integration process is making progress but it is perceived to lack some momentum. Our sponsor would like to understand if there are any potential barriers to the integration process. (Haspeslagh, et al., 1991) and (Pablo, 1994) presents two different sets of determinants that can be used to decide the level of integration; ?difference in organizational culture? and ?strategic task? (Pablo, 1994) and ?Need for Organizational Autonomy? and ?Need for Strategic Interdependence? (Haspeslagh, et al., 1991).

Research has shown that students with another mother tongue than Swedish terminate elementary school with lower grades in all subjects, compared to students having Swedish as a mother tongue. This fact justifies further research on the forms of teaching Swedish as a second language. Attention has been given to the fact that the students with another mother tongue than Swedish have to cope with "dual learning". Parallel to the learning of a second language they need to obtain knowledge in all other subjects. The purpose of this thesis is to investigate how the School organise the work with students having another mother tongue than Swedish, and to find out how teachers in other subjects solve the problem of having students that struggle with "dual learning".

The aim of this study is to contribute to a better understanding of the syllable as an alternative to the phoneme at the basic reading and writing. This report is based on a qualitative analysis of Håkanstorp school´s approach to the basic reading and writing in class. Their approach to reading and writing is controversial, as it is based on the syllable instead of the phoneme, as usual in the traditional reading and writing. The education result, I have found, is that the syllable leads to a very clear and structured working procedure, which ultimately leads to class teachers being able to work from a diagnostic approach. This structure, with many parts of the course helps educators to clearly follow what level students are at.

The purpose of this study was to investigate the English writing activities of young Swedes on the site FanFiction.net to determine what type of differences were perceived between this activity and the writing activities taking place in upper secondary English courses, what effects fan fiction had on their English skills as well as what possibilities were perceived in regards to using fan fiction as a tool of learning. Methods used include an interview study along with a textual analysis to determine changes in grammatical complexity, errors and mistakes. Results indicate that partaking in fan fiction-related communities of practice in English can potentially improve language skills. Results also showed that informants valued interaction and practical language use, largely perceiving the formal teaching of English as lacking in opportunities for practical, contextually relevant and creative language use. However, introducing fan fiction and its practices of peer-reviewing in a formal educational setting was also perceived as risky, at the same time as there existed a sense of optimism that the fan fiction format and its practices could both be used to facilitate learning..

This thesis investigates strategies used to include students with language disabilities in schools and whether they differ depending on the age of the students. A interview guide for qualitative interviews was used to interview two groups of respondents (teachers with longer and shorter experience) The material was categorized according to students ages (grade 5 and below respective grade 6 to 9) The results show that there is no common plan for how to work with children with language disabilities in the investigated municipality. However, similar strategies are used for both groups of students, but how the strategies are applied differs..

The aim of this master?s thesis is to examine the accessibility for persons with disabilities to service, materials, and the library building in one Swedish public library, and also to see what guides the development of accessibility at this library. In order to do this we have studied guidelines and political documents to se how this library responds to them. To our case study, data have also been collected by qualitative interviews, and observation of what this library offers impaired persons at the library?s web site, in special materials, facilities, and the functionality of the library building.

The main thing we wanted to find out with this thesis was, can reading aloud help the natural language development. We also wanted to know how libraries in Sweden work with reading aloud and if children with reading and writing problems are being helped by being read to. We also wanted to find out what authoritarians on literature think a good reading-aloud novel should contain. To find this out we decided to do a literature study, we have taken part of a number of authoritarian opinions on this matter and we also studied some theories on this subject. We also decided to do a couple of interviews to exemplify how regular libraries work with reading aloud.

Today?s Sweden becomes more and more multicultural, with a mixture of many different languages. Many children are raised to learn two or more parent languages. If you work as an educationalist in preschool you will probably come in contact with these children. The question is how you should treat them and ease their development of languages.The purpose with this work is to find answers to the question if bilingual children develop their languages by the same method as monolingual and how one as an educationalist can make these children?s development of language easier.The papers preface is a part of literature that describes different researchers view on the bilingual children?s development of language and how one, as an educationalist, can ease it.To my study I have chosen to interview three educationalists in preschool who all work with bilingual children.

The communicating home concept has been defined byidentifying the dominating communication technologiesto/from and in the homes, the most important customerbehavior and user needs, the dominating products and thedominating actors of the industry.The evaluation of the communicating home industry has beenperformed with a five forces framework analysis and theoriesregarding value migration and value structures of industries. Ithas been concluded that actors of communication technologies,goods and access services will compete fiercely. The barriersof entry will however be high. When it comes to contentservices the situation is completely different. These actors will,to the largest extent, meet lower competition and low barriersof entry.

Prosody is the melody and rhythm of speech and language. Prosodic ability is of great importance for communication, and has been shown to be affected in adults with acquired brain injury. Studies have shown that Swedish children with specific language impairment have prosodic  difficulties to a greater extent than e.g. English speaking peers. It is thereby possible that prosodic ability is more vulnerable also in Swedish speaking adults with acquired brain injury.The aim of the present study was to assess prosodic ability in adults with acquired brain injury, and to evaluate the prosodic assessment procedure that was used.

The aim of this Masters thesis is to examine the use of IT, that is the Internet and other applications of personal computers, among seniors 65+. It also deals with issues of access to IT for seniors in public libraries. The theoretical background of the study consists of Rogers "Diffusion of innovations", Hektors categories of information activities, and the Swedish IT-commissions categories of motives and prerequisites for the use of IT. The research questions focus on factors motivating the use of IT, the extent and the purposes of IT use, the consequences and the barriers that IT-users experience, and views on IT in public libraries and IT courses, respectively. Qualitative interviews were carried out with nine senior IT-users.