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.

Sigma energy app is a mobile application for subscribers to various energy subscriptions. The subscribers can use this mobile application to access information regarding their consumption, invoices and active subscriptions. The mobile application that was built consists of a GUI and a web API as middleman between the application and the database.                     .

Two elementary schools are now being built in Gråbo (in the municipality of Lerum),Röselidsskolan and Ljungviksskolan, which are both designed with solar thermalcollectors for the schools domestic water heating. During the summer while thelargest amount of solar heat can be generated, the activity hence the domestic wateruse in the schools are heavily reduced. Both schools are connected to the local districtheating system which makes it possible to use the solar collectors to deliver heat tothe district heating.The purpose of this thesis is to evaluate the two systems mentioned above and todetermine which system is more suitable to apply on a school. The building whichconditions were used for this evaluation is Röselidsskolan.A solar heating plant of each system type was dimensioned from the expected andknown conditions of the building. The purpose with the dimensioning was to makethe solar plants replace the ordinary energy source as much as possible.

Abstract. Aim: The aim of this study is to determine certain health, demographic and socioeconomic factors that affect the costs for specialized health care between the municipalities within the Västra Götaland region. Method: The method is explorative and analytical. The costs for specialized health care was divided into three different subgroups; independent somatic specialized health care, specialized health care provided by private practices or outside the region and psychiatric specialized health care. The data was age-standardized.

When the independent upper secondary schools were started in 1992, it meant a change in the competitive relationship for the local upper secondary schools. A reduced number of students during some years ahead, while the number of independent upper secondary schools increase will probably result in tougher competition between upper secondary schools.The purpose of this study is to review and compare financial and performance management between a public and an independent upper secondary school. The dissertation will focus on the now existing competitive relationship between the two types of upper secondary schools.The theory underlying the study is Porter's model - five competitive forces. The model is applied to the local upper secondary school and used to identify competitive factors affecting upper secondary schools. The study is using a qualitative approach with five interviews at two upper secondary schools, one independent and one public, located in the same town.The comparison of financial and operational management of upper secondary schools indicate that the differences are not as great as we first imagined, but that there still are some differences.

 AbstractMedia has since a long time back been writing about extensive thievery of recreational boats and their engines. The value of the stolen goods is estimated to several hundreds of million Swedish crowns per year. The widespread stealing creates a secondary market where boats sometimes are sold by sellers that do not have the rights to sell the boat. This creates risk for the buyer who most often is a private person. A situation the buyer can face is that the boat was stolen and that the original owner can demand to get the boat or engine back.

The purpose of the project is to determine the impact of solar cells and electrical vehicles on the future electricity grid and distribution network. Future electricity grids will be affected differently than it does today. Therefore, it is important to determine the impacts so that the current electricity distribution system can be developed and redesign to achieve the future demand. In Sweden, government has changed rules and laws in order to make it easier for private sector to invest in renewable energy sources. Our project focused on the impact of the solar cells and electric vehicles on the low voltage electricity distribution.

AbstractTitle Blogging.se ? a study on the swedish blogosphere from a Habermasian public sphere-perspective (Bloggning.se ? en studie av den svenska bloggsfären utifrån Habermas offentlighetsteori)Author Anders LarssonAim To see whether or not weblogs (blogs) could be said to rejuvenate the public sphere, as it was first described and later re-evaluated by Jürgen Habermas.Method A quantitative analysis of 733 randomly selected swedish weblogs has been done. This analysis set out to see what different categories of bloggers (difference in f.e. gender and age) wrote about, and whether or not these subject categories could be said to play a part in constituting and/or rejuvenating a public sphere.Main results The main results of the quantitative study was that even though most blogs write about ?private? subjects, the most popular blogs, i.e.

In the early 1860´s, the author and opinion former Fredrika Bremer made a large donation of books to Högre lärarinneseminariet, which is the first governmental institute for higher education of women in Sweden. The aim of this thesis is to describe the collection of donated books as well as to extract information regarding Bremer's international network of contacts, her views on women's education and her relation to Högre lärarinneseminariet. Furthermore, the aim is to highlight the unique relationship between Fredrika Bremer's private collection of the books and the library of Högre lärarinneseminariet from a gender perspective. A handwritten list of the 321 titles constitutin the donation has been preserved in the seminar archive and three quarters of the books have been re-discovered in a bookcase at Årsta castle. The donation is characterized by its double origin as stamps and personal dedications remain as permanent traces in the books.

Denna uppsats beskriver skillnader i förvärvskalkyler och hur olikheter i värdering därigenom uppkommer. Anledningen är att riskkapitalbolag verksamma inom private equity tycks vinna budstrider mot strategiska köpare, vilka har för avsikt att förvärva bolag för att skapa synergieffekter. Detta tycks ologiskt då riskkapitalbolagen snarare borde värdera förvärven lägre, till följd av att de inte kan inräkna synergieffekter. Studien utgår ifrån en jämförelse av ett riskkapitalbolag och en strategisk köpare, båda aktiva i Sverige. Vi undersöker deras värderingsmetodik och inställning till förvärvsfinansiering, samt påverkan av företagens verksamhetsinriktning.

A majority of Swedish consumers have a positive attitude towards organic production and the number of organic products on the market is increasing. Despite these positive trends, there are still relatively few consumers who choose to buy organic produced products. According to statistics, only 3% of the total sales of food consist of organic products. The aim with this essay is to understand what is needed, both from the grocery store and the consumer's point of view, to increase the consumption of organic food. Information has been collected partly through questionnaire with consumers and partly through analysis of sales statistics for a selected numbers of products. Then the empirical material have been analysed in the light of a combination of the Behavioural Perspective Model (Foxell, 1997) and Kotler's Four P:s (Kotler, 2002). Consumer's willingness to buy organic products is influenced by a number of different factors. One important thing is if the grocery store offers a behaviour setting that stimulates the consumers positive attitude and facilitates their possibilities to collect new information. Furthermore, the store needs to offer a broad and well-visualised selection of organic products.

Healthy calves are the foundation in order to run a profitable diary production. Being healthy as calf results in a better start in life and good growth is expected to follow. Within dairy production it becomes more common to rear calves in groups and feed them by an automatic milk feeder. The milk feeder enables for the calves in greater extent to ingest milk or milk replacer several times per day and they are also able to perform natural behaviors in greater extent. Group rearing of calves puts higher demands on the animal keepers to localize individual calves in the group pen, showing signs of illness.

Business is changing and so are society?s expectations. Companies are expected to take responsibility for their trade and the context they are operating in, by looking at socially, economically and environmentally aspects. Many companies handle it by implementing corporate social responsibility (CSR) to their line of action. This is often handled by collaborating with other organisations, such as non-governmental organisations.

Food is widely consumed and in 2011 an average American devoured approximately one ton of food. The production of these goods requires large amounts of energy and contributes to 22-31 % of all greenhouse gas emissions occurring in Europe. More than one third of the produced food is discarded instead of consumed, and food waste make up about 30 % of the waste generated by households. 60 % of this food waste could be avoided if the eatables were handled in a better way.Avoidable food waste arises partly because residues from food are not taken care of, and because the food is not stored in a way that optimise its durability. Residues arises part- ly because of the contradictory and complex demands of everyday life and are, because of our busy lifestyle, difficult to avoid.

The housing sector of today represents for almost 40% of the energy consumption, an energy consumption of which the major part consists of non-renewable energy sources. This is not sustainable and utilization of new energy-efficient technologies in buildings can be a step in the right direction, towards a sustainable energy society.This report has been made on behalf of and in cooperation with Älvstranden Utveckling AB in Gothenburg to examine how future energy-efficient technologies can affect the energy demand in energy-efficient multi-dwelling buildings.The report is based on Älvstrandens passive house, Hamnhuset, a house whose energy consumption is far below the BBR's requirements. The report looks at the opportunities for improvement within windows, insulation, solar energy technologies, as well as white goods. Computer simulations are then made to apply the selected technologies into a reference building. Technologies are selected from an energy efficient perspective and no account has been taken of other aspects such as the economy.