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.

Detta examensarbete har utförts på uppdrag av Försvarsmakten. Arbetets målsättning är att undersöka hot, risker och sårbarheter som portabla enheter kan orsaka eller bidra till inom en organisation. Bärbara datorer med operativsystemet Windows och Mac, samt surfplattor och smartphones med operativsystemet Android, iOS och Windows Phone är de portabla enheter som är utvalda att ingå i denna rapport. Vidare diskuteras förslag på hur man kan förebygga olika säkerhetsrisker. Rapporten tar även upp dagens BYOD-lösningar (Bring Your Own Device).

Kraftindustrin arbetar oavbrutet med att försöka höja och upprätthålla dammsäkerheten i Sverige. Erosionsskydd för fyllningsdammar skall dimensioneras och utformas så att de medverkar till en god dammsäkerhet. Vid dimensionering och projektering av erosionskydd måste vågberäkningar utföras för att bedöma angripande våglast. I Sverige genomförs dessa beräkningar utifrån kraftföretagens riktlinjer för dammsäkerhet, RIDAS. Uträkningarna och bedömningar av våglasterna är ur dammsäkerhetssynpunkt viktiga eftersom de ofta avgör erforderligt fribord.

The Swedish Welfare Act § 4 says that "Animals must be kept and cared for in a good environment for animals and in such a way that promotes their health and allow them to behave naturally." Pigs in the wild spend 80% of their waking hours walking around and rooting for food, eating and exploring their environment with its snout. Fattening pigs in commercial farms spend 80% lying doing nothing. A lactating sow is lying down most of her day, and only 10-20% of the body surface is in contact with the floor, so the pressure is high on these spots. Piglets lie down and paddle with their legs, with high liquid content in the tissues, several times an hour, to stimulate and massage the sow's udder. In the existing system, these individuals are held more often on floors that are anything but inviting to sleep on.

The effect of methyl jasmonate on resistance against the large pine weevil (Hylobius abietis) in Scots pine and Norway spruce seedlings. A field experiment was conducted in order to determine the dose-response effects of methyl jasmonate (MJ) on growth and defence to pine weevils in Scots pine (Pinus sylvestris) and Norway spruce (Picea abies) and to compare the effect of MJ between pine and spruce. In addition a complementary greenhouse experiment was conducted with the same aims as above and to determine the amount of resin ducts and their correlation to the feeding of pine weevils. The field experiment was conducted on a fresh clear cutting in Garpenberg, southern Dalarna in central Sweden. The experiment consisted of 30 blocks with three kinds of containerized seedlings: 2-year old spruce, small pine (before shoot elongation) and 1-year old pine (already shoot elongated). They were all exposed to 4 treatments 14 days prior to the experiment: control, 25 mM/L MJ, 50 mM/L MJ and 100 mM/L MJ. Data on weevil damage and seedling growth were collected after the first and the second growing season. The seedlings in the greenhouse experiment were of the same kind and were exposed to the same treatment as the ones in the field experiment.

Root rot is a big hurter and a huge economic problem for the Swedish and European forestry. The severest hurter is Heterobasidion annosum (Fr.) Bref and it occurs as two different species in Sweden. Commonly referred to as the P-type (Heterobasidion annosum s.s. (Fr.) Bref.) and the S-type (Heterobasidion parviporum Niemelä & Korhonen). Therefore a lot of research has been carried out in this topic to find a solution and reduce this problem, one alternative that have shown to be profitable is stump treatment in thinnings.

Utveckling på kreditmarknaden har gett upphov till nya kreditformer. Ett exempel på en sådan kredit är snabblån. Snabblån utmärks av att det är kortfristiga lån på låga belopp som konsumenterna erhåller inom en kort tidsperiod. Vidare är låneprocessen enkel. Statistik från Kronofogdemyndigheten visar att antalet betalningsförelägganden med grund i snabblån har ökat (se bilaga) och regeringen hävdar på basis av statistiken att samband mellan snabblån och överskuldsättning föreligger.

Swedish farmers have the possibility to be subsidized by EU rural development programme for grazing animals on pastures to promote the biodiversity of flora and fauna. The environmental remedy sometimes does not allow supplementary feed and at the same time the Swedish Animal Welfare Act and the Swedish Agricultural Board?s regulations for animal welfare and Protection states that animals, in this case horses, shall be fed with food of good quality and adapted for the species. The regulations also state that they should have an individual feeding regime that enables them to maintain a normal body condition. The aim with this master thesis has been to investigate if it is possible to keep Gotland ponies on extensive pastures, during late spring and summer and still maintain animal welfare. The horses were assessed every fourth week using a welfare assessment protocol developed in line with the Welfare Quality® project (submitted, Viksten et al) where physical, behavioural and resourcebased parameters were observed. Twelve one-year old stallions of the breed Gotland ponies purchased from different breeders were used in the study.

This is a graduate work at the Swedish University of Agricultural Sciences, The Department of Urban and Rural Development, Ultuna. The purpose of this paper has been to find out and describe principles for designing parks that offers good recreational and aesthetical values and require little amount of carbon dioxide emissions during their maintenance. The purpose has also been to see if it's possible to use city wastewater in some extent to assure the plants water supply and to find other means to make it less necessary to use purified water for watering. Recently made studies as well as older ones show how important green areas are in dense city structures both from a health and a climate perspective. Trees and other plants adsorbs different forms of air pollution and can also lower the temperature in the surrounding area through their transpiration.

Eutrophication of the Baltic Sea and Swedish lakes remains a major problem despite many years of effort to reduce the emissions of nutrients. One major source is waste water systems, especially private sewage systems. These sewages accounts for a very large share of nutrients per capita in comparison with citizens connected to larger sewage treatment plants. Norrtälje community has the greatest number of private sewage systems in Sweden. Discharges of nutrients, especially phosphorus, to the Baltic Sea from these sewage systems are significant.

The management of water resources and waste water varies between the countries of the EU. For many years, a large part of the water in Europe has been contaminated by, among other things, insufficiently treated waste water and emissions from agriculture. The EU Water Framework Directive 2000/60/EC and the Urban Waste Water Directive 91/271/EEC are intended to harmonize fresh-water management and waste water management within the whole EU, aiming at safeguarding drinking water of good quality and a high quality of all water within the EU today and in the future. There are however some problems concerning the waste-water directive. One problem is the huge investment needed in Slovakia to fulfil the demands of the waste-water directive for waste-water management in larger communities (with more than 2000 inhabitants).

An Internet application, VEDAIR, for estimation of air quality in regions with small-scale combustion of bio fuel has been developed by Swedish Meteorological and Hydrological Institute with financing from Swedish Energy Agency and Swedish Environmental Protection Agency. The model contains user interface and a coupled model concept where concentrations of atmospheric pollutions are calculated for regional, urban and local contributions. In this report the model is described and a first study of air quality considering PM10 (particles with a diameter less than 10 µm) in two Swedish municipalities, Vänersborg and Gnosjö, is introduced.According to the result, there are areas with poor air quality even in smaller Swedish municipalities, mostly due to high emission from buildings with older wood heating furnace without hydraulic accumulator.In Vänersborg three areas were analysed in VEDAIR for the year 2003: Vargön, Mariedal and the downtown district. In the whole municipality the upper evaluation threshold for PM10, which is defined as 14 µg/m3 for annual average, was exceeded due to background contribution of particles. In all areas, however, the concentrations of PM10 were less than the environmental quality norms.

This report analyzes disposable packaging and returnable packaging with the methods life cycle analysis and life cycle costs analysis. These two different packaging are analyzed through the company Clas Ohlson?s packaging-flow. To get a picture of how the flow works, a visit at the company and email contact have been done with Clas Ohlson to get relevant informationToday Clas Ohlson has a big flow of articles to the stores without larger variations in the demand, with the exception of autumn, which is when customers start shopping for Christmas. Clas Ohlson?s articles are placed on a pallet and are wrapped into plastic-film for Protection and to make sure that nothing will be stolen.

The aim of this work was to find out what potential contaminants from roads, residential area and businesses within Svedens industrial area that can affect groundwater quality and quantity. Data collection was from SGU, VISS, internal material from Gävleborg county Administrative Board and Gävle municipality archive. GIS software ArcGIS was used to create the map images in the work. The studied area is located approximately ten kilometers west of Gävle city and consists of the esker Valboåsen, which is a glacifluvial deposit that in its central parts consist of coarse material that is overlaid by sand, clay and silt. North of esker Valboåsen there are the river Gavleån which has an inflow to the groundwater in the esker. This inflow represents the largest part of the groundwater recharge.

Since 1993 the Swedish Forestry Administration conducts a nation-wide inventory of wood-land key habitats covering all forest land in Sweden. The inventory aims at mapping and describing habitats where redlisted species occur or can be expected to occur. According to the inventory stand history is crucial to the presence of red-listed species. However, the current knowledge of stand history in woodland key habitats is very limited. The purpose of this work is to describe stand history in woodland key habitats, i.e. fire history, human activities - mainly cuttings - and structural changes.