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.

The development aid from Sweden to developing countries is a activity thatinvolves a great deal of monetary founds as well as an opportunity to influence the environmental situation in a partner country. It´s also an opportunity to promote Sweden's values in a field like the environment, setting a good example is important. This thesis aims to evaluate Sida´s environmental policy and find out if there in fact is a Environmental Policy Integration Policy (EPI) taking place. EPI is a policyimplementation theory that emphasise the importance of the total integration of the environmental in the organisation as a whole. To identify this I will use a theoretical framework of indicators invented by William M.

The purpose of this essay is to investigate whether the implementation of the Solvency II directive will create a competitive advantage for the Swedish insurance companies compared with other insurance companies in Europe.Therefore the theoretical perspective illustrates the specific requirements and risk culture of the insurance industry and defines the critical success factors for a successful implementation of the directive. The empirical foundation is built on the QIS 5 reports for Sweden and Europe, interviews with the financial services and If insurance company as well as information from a seminar organized by KPMG. The analysis shows that the Swedish insurance companies meets the capital requirements of Solvency II by a large margin and that they are accustomed to risk management and reporting requirements from the traffic light model. This implies that the three critical success factors for a successful implementation of Solvency II are met, although with some limitations, and that Swedish insurance companies could possibly have a competitive advantage.     .

The intention of this qualitative study is to describe and analyse women's violence against men from the perspective of authorities and volunteer organisations. Data has been collected trough semi-structured interviews with six respondents stemming from the police, social services and a help organisation for men respectively. The data has been analysed using existing research and common theories about power, sex and gender. The study shows that IPV does not only contain physical violence, but also acts of psychological-, sexual-, economical-, material-, and latent violence as well as the fact that one act of violence almost never exists alone. It is shown that women more often use psychological abuse against their partner then men do and also that men tend to stay longer in an abusive relationship then women.

It is estimated that 22 000 contaminated areas exist in Sweden today. In order to classify the risk of contaminant migration from these areas and to prioritize which of these contaminated areas should first be treated, the Swedish Environmental Protection Agency (EPA) has designed a method, for the investigation of contaminated areas (MIFO). One of these contaminated areas is the landfill Gräsötippen outside Köping. The landfill has been used by both Yara AB and the Köping municipality between the years 1945 and 1975, and both industrial and household waste have been deposited there. The aim of this report is to survey which contaminants that can be found in the soil and water in the landfill Gräsötippen and to evaluate the migration of these contaminants.

Bakgrund och problem: Vi upplever idag en världsomfattande ekonomisk kris med fallandetillväxt, minskad konsumtion och kreditåtstramningar. För knappt två år sedan var läget detmotsatta och de flesta av världens större börser nådde sin topp. Företag behöver oavsettkonjunkturläge finansiera sin verksamhet, i många fall räcker inte interna medel utan externtkapital behövs. Företagens val av kapitalstruktur kan i goda tider öka avkastningen men kan isämre tider orsaka stora problem som kan leda till konkurs.Vid val av finansieringspolitik i ettföretag måste vissa avvägningar göras. Ett av de mest väsentliga valen som företagsledningenmåste ta ställning till är storleken på skuldsättningsgrad som i sin tur styrs av mål förräntabilitet på eget kapital och i vilken utsträckning man är villig att ta risker.Syfte: Den här undersökningen syftar till att undersöka om det finns några samband mellanden finansiella risken i de undersökta företagen och storlek, tillväxt och lönsamhet.

Emwiro Vibe is a complete system for seismic measurements. The functionality of the system was before the completion of this project handled using a software contruction based on a state machine. Emwitech, the company developing Emwiro Vibe, expressed a desire to replace this solution with a real-time operating system (RTOS). The project consisted of two parts. Firstly the existing software was studied, available RTOSes was evaluated, and the RTOS most suitable for the application was selected.

Emwiro Vibe is a complete system for seismic measurements. The functionality of the system was before the completion of this project handled using a software contruction based on a state machine. Emwitech, the company developing Emwiro Vibe, expressed a desire to replace this solution with a real-time operating system (RTOS). The project consisted of two parts. Firstly the existing software was studied, available RTOSes was evaluated, and the RTOS most suitable for the application was selected.

The increase in farmland value in Swedens plain areas is a well known fact in today's Swedish agricultural. In connection with the fluctuating prices of crops and inputs, are increasing the risk exposure to agriculture. The increased value of agricultural land has in Sweden over the years been due to a high demand for land that has existed and exists in Sweden. The increasing demand is linked to a structural rationalization of Swedish agriculture, leading to fewer and larger farm units (www, privataaffärer, Carl Johan Jurss).The purpose of this study is to examine the potential risks associated with the farmland value falls or remains unchanged, according to a farm credit administrator's perspective. The idea is to get a picture of the main factors taken into account when lending and the problems with falling or stable land prices into account when lending.

Det finns faktorer på arbetet som påverkar yrkesverksamma till att bli mer eller mindre stressade. Socialt arbete inom socialtjänsten präglas ofta av en hög arbetsbelastning, höga krav, orealistiska förväntningar och i allmänhet ett komplext arbete. Det är något som påverkar hur den enskilda socialarbetaren upplever stress. Studiens syfte är att undersöka risk- och skyddsfaktorer för yrkesrelaterad stress hos socialarbetare samt deras copingstrategier vid stress. Den valda metoden för studien är kvalitativa semistrukturerade intervjuer med fyra socialarbetare inom socialtjänsten.

Syfte: Syftet med den h?r systematiska ?versikten var att unders?ka det vetenskapliga underlaget f?r om det fanns ett samband mellan vegankost och risk f?r frakturer hos kvinnor 45 ?r och ?ldre, j?mf?rt med icke-vegetarianer. Metod: S?kningen delades in i fyra s?kblock inneh?llande synonymer kopplade till ?Fraktur?, ?Vegankost?, ?Medel?lder? och ?Kvinnor?. S?kningar efter prospektiva kohortstudier gjordes i PubMed och Scopus samt i referenslitteratur. Inkluderad population var kvinnor 45 ?r och ?ldre som ?t en vegankost.

Menstruationscykelns inverkan på kvinnors preferenser för mäns ansiktenSammanfattningDetta är en systematisk replikation av Penton-Voaks och Perrets studie (1999) då en preferens hos kvinnor för maskuliniserade ansiktsdrag under hög befruktningsrisk i menstruationscykeln hittades. Dessa drag tros vara en ärlig signal för goda gener och immunokompetens hos män. Oklarhet råder huruvida detta gäller för olika populationer. 36 svenska universitetsstuderande kvinnor fick därför välja ut de mest fysiskt attraktiva ansiktena, utifrån maskuliniserade och feminiserade bildserier, vid hög respektive låg befruktningsrisk. Ingen signifikant skillnad hittades mellan de olika faserna.

SAMMANFATTNINGBakgrund:Det skulle vara värdefullt att ha ett riskbedömningsinstrument för att identifiera äldre patienter som är i risk för komplikationer efter kolorektal kirurgi.Syfte:Att undersöka förekomst av postoperativa komplikationer hos äldre kolorektalpatienter och om riskbedömningsinstrument eller andra faktorer kan förutse dessa.Metod:En prospektiv studie med kvantitativ ansats och deskriptiv design.Urvalskriterier var patienter, män och kvinnor, ? 70 år, elektiv kirurgi för kolorektaltumör. Datainsamling gjordes före kirurgi genom intervju med standardiserade frågeformulär och test. Journalgranskning genomfördes 30 dagar efter kirurgi.Resultat:Trettiosex procent av patienterna utvecklade någon form av komplikation. Vanligaste komplikationerna var sårinfektion och urinvägsinfektion.

This study aims to analyze the risks with building new households between railroads and shore, the focus of the study lays on Öbacka strand in Umeå municipality. The study also investigate if a land use conflict has taken place and how it was handled.The paper is based on different documents that was central for the work of planning the households and some interviews with operators that was highly involved with the planning of the area.The results shows that there is several risks with establishing new household between railroads and shores. Mainly because of the exposure of noise from the railways, though the risk for impact on the living environment for animals were low in this case there is a generally risk that it could get negative effects. It also a very important that the availability to the shore is secured. Planning in this type of area involves a great number of operators can easily cause a conflict due to the different perspectives on how the land should be used in the future, and also because of protecting different interests.

During the Swedish banking crisis in the early 1990?s, the government paid out 65 billion Swedish kronor to save Swedish banks from bankruptcy. In the process, two banks left the private sector to be taken over by the state. This thesis builds on a study from 1998 in seeking to quantify the financial end result for the Swedish government from the subsidies. Taking a cash flow approach and accounting for the time difference, it starts with the money paid out during the years of crisis and subtracts the money that has since been returned to the government by successful management of the relinquished assets.