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.

Background: Røvik claim that both public and private sector, large and small firms, are working with the same administrative standards, recipes, as these are currently considered to be ?right?. He argues that this is partly due to the globalization of the information society, which is making it possible for recipes to spread rapidly. An area affected of this is purchasing, where many new strategic and organizational concepts have been developed. Nowadays, people argue that ?every penny saved in the procurement function, is an extra penny in profit? and that purchasing decisions affect the entire company and its performance.

This review article presents the splicing process during messenger RNA maturation and how it is regulated by different Cis-regulatory RNA-sequence elements and splicing factors. A more detailed description of the process alternative splicing and its importance to the function of genes from the model organism Arabidopsis thaliana is also given. A single eukaryotic gene can by the process alternative splicing (AS) give rise to a number of functionally mature mRNA-molecules, which in turn encodes for structurally and/or functionally different proteins. During the course of evolution, the process alternative splicing has thus shown to be effective in increasing transcriptome and proteome diversity of most eukaryotic organisms. This suggests therefore that the dominant theory in molecular biology, a gene encodes for a protein, needs to be corrected.

Trees of Bergvik apple (Bergviksäpple) planted between 2001 and 2007 have shown varying harvest. This study investigates why some trees gets low or no harvest while others get significantly higher harvest. The aim is to identify some reasons why fruiting differs between the trees and if possible suggest and/or enlighten the tree owners what can be done to improve fruiting. The study includes 25 trees, mostly located in Hälsingland, Sweden. The tree owners have answered two questionnaires, first in the spring with questions regarding flowering and the second in the autumn, regarding harvest.

The purpose of this essay was to find out what alcoholics themselves mean were the way out of their drinking abuse.The questions at stake are:· What kind of context did the interviewed live in before and after the turning point?· How did the process of getting out of the alcohol abuse look like?· What different factors may have influenced the turning point, the maintenance and the interviewee's choice to stop the abuse of alcohol?· Where there any other important occurrences that may have had an impact on their decision to stop drinking?For the investigation we have interviewed three women and five men. They all have had sever problems with alcohol, but all of them also have found a way out of the abuse.Our research shows that the way out of alcohol abuse is very complex and individual. The turning point is rather a process than a single occurrence. Our research also shows that the interaction between the alcohol and important individuals in their immediate surroundings are the absolute most important factor to stop using alcohol in a destructive way but also important when it comes to maintaining soberness..

Adoptivföräldraskapet skiljer sig en del från det biologiska föräldraskapet och adoptivföräldrarna ställs inför annorlunda utmaningar. De måste bli godkända för att kunna bli föräldrar. Barnet har ett annat ursprung än föräldern och ett internationellt adopterat barns utseende skiljer sig från förälderns. Omgivningens reaktioner gällande adoptionen kan variera. Studiens syfte är att fördjupa kunskapen om hur adoptivföräldrar upplever det specifika i adoptivföräldraskapet.Empirin utgörs av kvalitativa intervjuer med åtta adoptivföräldrar.

The presence of nostalgic emotions during consumption is often seen as something purely positive to a product. To evoke these emotions has become a very common tool in marketing and advertising. Paradoxically very few studies have focused on the effects of nostalgia. The purpose of the thesis has been to understand how the presence of nostalgic emotions during consumption effect consumers. The research model used is a quantitative study with testing of hypotheses generated from theory.

The problem presented in this report is that of finding a method to calculate the lift force from a single-element airfoil of arbitrary shape. A number of restrictions are used in order to simplify calculations while retaining reasonable accuracy. The problem is solved for the two-dimensional case only and no finite-wing effects are taken into account. Furthermore, inviscid and incompressible flow is assumed. The method used to solve the problem is the vortex panel method, with vortex singularities distributed over simplified airfoil geometry.

The purpose of this study is to examine how the concept multiculture has been defined and used in selected articles, which were published during the year 2006 and the following month. The study is based on five Swedish newspapers, from which 57 single articles were chosen and divided into total seven categories and dimensions which were partly developed from the theoretical base and partly from the chosen material itself. By using a qualitative analysis I have found following: In most articles the concept multiculture is used in an anthropological sense, meaning that the presence of several anthropological cultures is claimed before the concept multiculture can be real. An anthropological culture is of varying size and contents, in the majority of the articles an anthropological culture consists of a non-western and foreign country but can also represent a region or a continent. Aesthetic culture is, for the most part, used primary as an aid to define the current anthropological culture and not to stand for its own belonging to a specific genre..

An interview study of horsemanship has been conducted in the community of Ängelholm. The study is part of a larger project, where a further four students who are writing their thesis? have conducted interviews in Lerum, Hässleholm, Nyköping and Enköping, a total of 52 horse holders in 5 different communities. The collective results are summarised in "Hur hålls hästarna i Sverige och vilka är motiven" by Catharina Svala. The purpose of this larger report has been to examine why Swedish horsemanship is the way it is today through communication with the various horse holders.

Password Management Systems är system som hjälper användaren skapa kontroll över sinaanvändarkonton och lösenord. Denna studie analyserar tre utvalda system, hur användarvänliga de är samtvilken typ av autentisering och kryptering de använder. Metoden som används är experiment tillsammansmed intervjuer av fem deltagare, varav alla hade olika erfarenheter med datorer. Studien har visat attanvändarvänligheten bland flerparten av systemen är höga. Risker finns bland upprepade lösenord ochanvändarnamn, samt osäker autentisering.

The aim of the study is to investigate pupils? attitudes to and experiences of reading aloud by the teacher in grade 1. The study answers questions about how the pupils perceive the reading aloud, what they think they learn from it, and what books they prefer the teacher to read from. The study was conducted with the aid of semi-structured interviews with eleven pupils, six girls and five boys. The study shows that the pupils have a great deal to say about reading aloud.

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.

This work is meant to contribute to the research of adaptation studies by focusing on a special case: the transformation of a fictional diary into a movie. In order to sustain the form of the literary source the adaptation to movie requires certain strategies. Först of all, the diary genre is characterized by a one-dimensional narration. Second, diaries only supply a few written dialogues, hence this "void" has to be compensated and filled by media specific measures. Third, the investigated diary is a story of individualization and emancipation of a single woman.

Adoptivföräldraskapet skiljer sig en del från det biologiska föräldraskapet och adoptivföräldrarna ställs inför annorlunda utmaningar. De måste bli godkända för att kunna bli föräldrar. Barnet har ett annat ursprung än föräldern och ett internationellt adopterat barns utseende skiljer sig från förälderns. Omgivningens reaktioner gällande adoptionen kan variera. Studiens syfte är att fördjupa kunskapen om hur adoptivföräldrar upplever det specifika i adoptivföräldraskapet.Empirin utgörs av kvalitativa intervjuer med åtta adoptivföräldrar.