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.

Teaching preschool children about the environment. A comparative study of how two preschools work with environmental issues.My investigations are based on qualitative interviews and observations carried out at two preschools, one of which has a nature and environment profile while the other works in traditional ways with these questions. I sought to explore the ways in which pedagogues in each preschool raise environmental awareness and, more generally, awaken an interest in nature in the children. The consequences of methodological similarities and differences will be considered.This term paper concludes that the difference between an environmental profile preschool and a traditional preschool working on environmental awareness is not large. The knowledge gained by children in the latter preschool surpassed that gained in the former.

In 1994 a new Forestry Act was accepted in Sweden. One of its aims was to raise the consideration for preservation of biodiversity. Since this happened over 15 years ago there is now an interest in analyzing if the law has been effective in its purpose. In this study methods suitable for analysis are being investigated. The study contents a pilot study of methods for five parameters that can validate if the law has been followed.

The curious nature of humans has been the puzzle of psychologists, philosophers and scientists since the time we began to use those terms. Why are we curious? Why do we behave the way we do and why? The span of views on curiosity covers all. From being viewed as part of our animalistic nature and compared to instincts, to be viewed as a virtue to scientists and the reason behind why we explore space. Behaviorists tried to define it as an innate drive and some say that it has a crucial role in our ability to learn and understand.

Sweden is currently a country in which a large amount of children?s time has changed to be spent within institutions, for small children these institutions are preschools. These are places where notions are created regarding what children are, what?s good for children, what?s normal and desirable regarding children. The purpose of this study has been to decipher what?s considered desirable and what notions or ideas regarding children are prevalent in preschools with an I Ur och Skur profile.

This dissertation aims to explore how an investment appraisal differs depending on if it is conducted by a municipal or a private real estate company. Municipal and private real estate companies are not performing on totally equal terms in the property market. A municipal company in Sweden has a public service mission. The consequence due to that mission is that they have limited yield potential but on the other hand the right to certain subsidies. They are also limited by the law of public purchasing (in Swedish: Lag om offentlig upphandling) in the investment process.

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 object of investigation in this essay is the epic novel sequence Jernbanan written by Sara Lidman. More specifically the investigation takes on the idea of a ?sam-vett? as it is formulated in Jernbanan. The ?sam-vett? is an idea about the undivided unity of man, nature and animal, and with a kind of primitive trait.

The purpose of this investigation is mainly to study if pupils have enough knowledge concerning the water cycle and the life of the plants?, and what kinds of household word they have, to discuss pollution within these areas. I also studied how the pupils? knowledge are holding up against what the course-plans says, since it have come to light by other investigations that knowledge are insufficient within the nature-oriented (No) subject in school.The survey has carried out on 28 pupils in a 5th grade, with help of a questionnaire survey. Their teacher has been interviewed and I have studied their local course-plans and also the pupils? schoolbooks in No.The result of the questionnaire survey indicates that the pupils had insufficient knowledge within the areas of plants? life and pollution, something their teacher had a presentiment about.The conclusion is that they need to go out more often in the nature and see how the plants and the environment are affected by different factors.

Social housing in Northern Europe and the importance of social and political consideration in planning. Focus of the essay lies on the "burning suburbs" of France, based on literature studies combined with a study visit to Les Minguettes outside of Lyon..

Social housing in Northern Europe and the importance of social and political consideration in planning. Focus of the essay lies on the "burning suburbs" of France, based on literature studies combined with a study visit to Les Minguettes outside of Lyon..

In recent time, agile methods have been devoted much attention, and the concept is widely used in the IT industry in particular. An increasing number of companies are interested in this way of working. The following report is the result of a study on the ability to create value for customers in business development through the use of agile methods. We ask what the advantages and limitations of agile methods are in the creation of customer value. Grounded Theory and an initial literature review was used to answer this question.

The area around the stream Orsundaan, which runs trough the valley Harsbacksdalen, is famous for its beautiful landscape. The upper area of Orsundaan and Harsbacksdalen is situated just south of Heby in Uppland, Sweden. Even though the area is protected by different nature conservation acts, it is difficult to find any information about the geodiversity in the area. Geodiversity, or geological and geomorphological diversity, includes the concepts of geoprocesses and geoelements. Very high geodiversity could be seen at an inventory of the geomorphology in the upper area of Orsundaan and Harsbacksdalen.

Local participation in nature conservation has gained more attention over the last decades due to international conventions as well as local and national initiatives. This development can be seen as a reaction to a more expert oriented nature conservation characterized by centralized control and strict preservation of so called "original" nature. The overall objective of this thesis is to contribute to research on new forms of conservation where democracy and local participation is included. The case study focuses on the process of producing a pre-study for a suggested national park in southern Jämtland in the Swedish mountain region, and aims to investigate to what extent local participation was included. The pre-study was led by the Swedish Environmental Protection Agency (SEPA) and the County Administrative Board (CAB) in Jämtland.

There has always been global warming on earth and it is because of it that the earth is inhabitable. Without global warming the temperature on earth would be around -18 ° C instead of today's + 15 ° C. Global warming is generated by greenhouse gases like carbon dioxide and methane which trap long wave radiation in the earth's atmosphere. The problem today is that the global concentration of green house gases has significantly increased since the 1750's as a result of human activity. Today's values widely exceed the preindustrial values.