The insurance industryis challengedby major changesthrough internationalizationand thusgrowingcompetitionwithmore optionsand greater availabilityfor customers.Solvency II, a new regulatoryframework and anew standard forinsurance companies,is therefore implemented in a steptowardsa more competitive Europeaninsurancemarket. Solvency II will result in extensive structural changes for many insurance companies. Newstandards andinternal models must also be implemented by the companies. Solvency IIhasa tightening effect on thesolvency capital requirements forinsurance companies. At the same time it also leads tomajor changesandincreased demandon risk management andinternal control, alongside with demands fordisclosure of informationto the market.

This paper examines the film distribution and exhibition sector in Europe. The general analysis of these sectors? situation was made. Moreover, the comparative and more in depth analysis of three countries by the Porter?s five forces model was made; These were United Kingdom, France and Denmark.

Social policy has now received an increased attention in the European Union. The European welfare states experience a high level of unemployment, which the EU now tries to handle through the European Employment Strategy (EES). The core of this essay is whether the welfare institutions of the European member states are integrating through an institutionalization process or not. Within the EU four different types of welfare models can be identified: the Scandinavian, the Continental, the Southern and the Anglo-Saxon. The welfare models differ in the institutional settings e.g.

Syfte/purpose: Syftet med denna uppsats är att undersöka hur den svenska spelmarknaden har påverkats av Internets framväxt. Uppsatsen avgränsas till att se hur Svenska Spel bemöter de nya konkurrenterna på Internet. Det vill säga vilka marknadsstrategier Svenska Spel använder sig av, dessutom undersöks hur spelarna värderar de nya spelmöjligheter som framkommit. / The purpose of this thesis is to investigate how the development of the Internet has affected the Swedish betting market. The thesis is limited to see how Svenska Spel is facing the new competitors on the Internet.

IKEA HaparandaTornio employ some two-hundred people in its furniture retail store.Keeping track of staff statistics and employee information has previously been achievedthrough the use of a basic Microsoft Office Excel spreadsheet. The store?s human resourcesdepartment requested an upgrade to this system with the hope of speeding up andsimplifying the administrative process, as well as to make it easier to monitor HR-relatedtarget statistics. The following report documents the development process of that upgrade ascarried out by the author. The project draws on research in usability design and cognitivepsychology to develop a user-friendly interface.

The purpose of this essay is to present a thesis work that has been executed during a period of 10 weeks, as part of a bachelor degree in Graphic Design and Communication and also to present what has led to the design of a sales brochure for the freely distributed lifestyle magazine LKPG. The purpose of the thesis work was to examine the answers to the questions ?What does clients and local company owners want to achieve from their advertising in newspapers and magazines?? and ?How should a sales brochure for a freely distributed lifestyle magazine be designed to be at most advantage and out of most interest to its clients??. The work has been carried out through an competitors analysis, qualitative interviews, literature studies and a survey on the target group. The findings of the work are that the market of freely distributed  magazines, both nationally and locally, is extremely wide and has many similar competitors.

Today most studies regarding marketing are made on traditional marketing channels, answering questions like which jingle is best or which TV-channel a company should focus their marketing budget on. There is also the science regarding the best way of marketing on Social Networking sites or how to get as many 'likes' as possible, and so forth. However research has also been made in the field of in-store marketing and how a retailers or brand owners can affect customers in "the moment of truth". Until now most of these studies discuss how to get the attention of the customer in the store since both time as well as level of commitment in general is scarce when a customer is in a grocery store doing the necessary weekly- or complementary-shopping. It seems like most of them make the very same conclusion; catching the attention of a customer is vital to sell them your product.

The gas turbines in the Swedish secondary reserve are reaching the end of their technical lifetime, hence alternative solutions need to be considered. One of the solutions thought to have the greatest potential is the use of so called consumptionreduction. By entering contracts with large consumers, agreements are made to reduce consumption in the event of major disturbances in the power system and thus being used as a secondary reserve. This thesis investigates the feasibility of consumption reduction as part of the secondary reserve. This has been achieved by developing a requirement specification for the disturbance reserve and by studying the technical and economic potential for consumption reduction among a range of consumers.The technical potential for consumption reduction that fulfils the requirements for participating in the secondary reserve are on average 750 MW in SE 3 and 98 MW in SE 4.

Problem formulation? Are there any factors affecting the choice of marketing strategy?? What is it that determines the degree for the company to use a standardized or a adapt marketing strategy?? How profitable is Scania's marketing strategy in each country?Objective: The overall aim of this study is based on local adaptation and global standardization to compare the degree to which the company Scania chooses to adapt or standardize its marketing to the South American and Asian markets.We also aim to compare and describe any factors that affect the countries' differences in marketing strategies and to evaluate and measure the profitability of marketing strategies in each market.Methodology: The study is limited to Scania's marketing in the truck market in Argentina, Brazil, Malaysia and Singapore from 2006 to 2010. In order to answer the study's problem formulation and purpose we have chosen to combine a qualitative and quantitative approach. Four interviews were conducted with marketing executives from Argentina, Brazil, Malaysia / Singapore and Sweden. We have also chosen to examine Scania's annual report and include figures on the market shares of Scania in the respective countries and the number of sold Scania truck which is then compared against the number of registered vehicles by country.

When communications traffic increasingly turned into data, IP telephony became a disruptive technology for the telecommunication business. IP telephony was a hot topic when voice over IP services started to become available to consumers in the 1990s. The new technology changed the rules of the game and many new actors entered the market.The purpose of this study is to describe, study, and analyze how the business models of the Swedish telecom sector developed in the middle of the 2000s. The study is delimited to the Swedish consumer market for telephony.The study is built mainly upon deep interviews with 24 prominent persons in the telecom sector in 2006. To aid understanding, two telecom companies that have been chosen to represent different kinds of actors are described and analyzed more closely.

Relationship Marketing - will banks be able to handle higher consumer mobility in the private market?The purpose of this paper is to gain an understanding of the factors that affect customer loyalty to the bank. Consumer mobility will probably increase as a result of political changes and pressures on the private banking market to become more competitive. This study was carried out using semi-structured interviews and were transcribed and analyzed with the help of models and theories centered on relationship marketing. The theories describe loyalty, the customer lifecycle and relationships between customers and organizations.

Denna uppsats har skrivits som en del i de studier i krigsvetenskap jag erhållit under yrkesofficersprogrammet.     Syftet med detta arbete är att ta fram faktorer som påverkar luftburna förband, vad gäller deras förmåga till rörlighet på marken. Detta för att ge en ökad förståelse samt bidra till utveckling av reglemente för luftburen bataljon.Den metod som används i uppsatsen är komparation med litteraturstudier som presenteras i deskriptiv form. Den teknik som används för insamling är litteratursökning. Två frågeställningar har behandlats; Vilka faktorer påverkar den grundläggande förmågan rörlighet hos luftburna förband? samt vad säger styrdokumenten om förmågan rörlighet vid luftburen bataljon i Försvarsmakten idag?Utifrån mina gjorda litteraturstudier av Operation Market Garden samt styrdokumenten för luftburen bataljon har jag fått fram att följande faktorer påverkar rörligheten vid luftburna förband: ledning (formering av förband, samordning), verkan (direkt, indirekt, pansarvärnsvapen) underrättelser, skydd, materiel/utrustning samt underhåll..

In recent years there has been an upsurge in products and activities designed for infants, what is known as baby culture. The essay is a discourse analysis covering the part of baby culture which is concerned with infants and books. The essay studies texts from libraries and children?s bookclubs in order to understand what it is they communicate, to whom and the conceivable consequences of the communicated message. One of the main purposes of the study is to determine what view of infants as social and cultural beings it  is that arises from the texts.

 The luxury market has steadily grown from the industrial revolution and onwards. Changes in society, trends and the increased living standards has enabled more people to consume luxury goods.The world is going through a major economic crisis at the moment. Studies shows that companies that have focused on added value rather than lowering prices has survived past financial crisis. It is also obvious that companies act very different during times of crisis. Adding to the problem is trends that point to a more careful consumption and environmental awareness.

Due to the globalization today the competition in the market has in- creased and it requires flexibility and produce according to customer demand. In order to reduce the cost of wages industrial companies are now considering moving the manufacturing to low-cost countries. To keep up with the competition in the market without moving the manu- facturing abroad, Lean Automation was developed. The concept of Lean Automation is to reduce the perceived complexity with automa- tion and make automation available for new users and in new applica- tions.Haldex Brake Products are situated in Sweden and want to maintain the manufacturing of the automatic brake adjusters in the country. It is a product well-known and highly exposed to the competition in the mar- ket.