Information technology and globalization has led to an increasing competition and service production has been more and more independent of locations. This has made a market of outsourced telephone costumer service possible. Due to high establishment the market has been saturated and with that price has sunk. Customer companies have the last few years got more negative to outsourcing of their telephone customer service as they through operating the customer service internally want to get closer to their customers.In the empirical study the writers try to figure out which companies the callcenters should try to aim towards to get long and profitable cooperation. This will be done through deducing guiding principles from theories about how different factors around companies costumer service should look like.

Along with the development of technology, the cross-border trade is increasing and therefore there is a need for greater consumer protection. A good consumer protection creates a feeling of safety for the consumer and that by itself may help to increase cross-border trade. This is one of the reasons for why the EU has established regulatory framework for electronic commerce, for example the Directive2000/31/EC. The direc-tive strives to create a similar law for electronic commerce within the European Union. This paper?s main purpose is to ensure that the directive is implemented properly in Swedish law, and if there are other possible ways to achieve the objective, other than the ones that the Swedish legislator has chosen.

Today we can create digital 3D models which can be realised almost instantly through production methods such as 3D printing and computer controlled milling.What if this same technology could be applied to the development and construction of terrain parks?With snow as the material tools could be developed using similar principles to design and sculpt the surface, only on a larger scale.How would terrain park designers adapt their process to use this new technology? In this Industrial design thesis I explore how the ideas of the terrain park designer can be expressed through such a system with focus on the designers knowledge and skill without the need to learn complicated 3D programs.Sketch, create, ride. .

Bachelor of Science, Construction and real estate economics at the University of Halmstad, Sweden, 2012. Author: Emilia Bjuvensjo? and Emma Davidson Advisor: Sven-Ola CarlssonExaminer: Kent Sahlgren Title: Condominiums ? A study of what factors are preventing condominiums from having a breakthrough on the Swedish housing market.Background:In Sweden condominiums have been discussed over and over again during the past 100 years. The government decided that on the 1st of May 2009 they would introduce a new kind of housing-form, condominiums. Ever since the new law came into force, no major changes have been done in the Swedish condominium market.

This master?s thesis investigates the technology and security awareness associated with wireless networks (WLAN). It has been stated by the media and theories that many wireless networks are unprotected. This has sparked an interest to investigate the phenomenon in the Jonkoping region. The study is based on the following research questions:- What security weaknesses are present with the WLAN-technology and how can these be avoided?- How does the wireless infrastructure in the Jonkoping region look like?- Why do companies implement the WLAN-technology?- Are the companies aware of the risks involved with WLAN?We conducted this study in three steps; the first step was to hack a wireless network in a controlled environment in order to investigate the weaknesses of the commonly used security measures.

Starting in January 2007, capital adequacy of internationally active banks will be regulated by the new Basel Capital Accord, International Convergence of Capital Measurement and Capital Standards ? a revised framework, [Basel II]. The framework introduces for the first time minimum capital requirements for operational risk and encourages market discipline of capital adequacy by initiating requirements for public disclosure of quantitative and qualitative information on operational risk exposure. This thesis examines the nature, definition, management and public disclosure of operational risk in Scandinavian banks based on regulations and recommendations presented in Basel II. We find that the models currently available for addition of operational risk to the capital requirement do not reflect actual operational risk exposure of banks.

The Forthcoming Essay concerns the publicly protected employment (Offentligt skyddad anställning), it's content and what actually happens to its participants after they have retrieved it. We have also, during our research, discovered a great lack of background research concerning this subject. Beside statistics and publicly protected employment rulework there only exist a small amount of research. This is mainly focused on people with physical function disorders and socialmedicial function.Of that we believe there is an urgent need to undertake more research in this unexplored sector of the labour market. Our purpose with this essay was to examine what happened to publicly protected employment -participants after they had undergone the process.- In what ways has the participation in publicly protected employment altered their possibilities on the labour market?- What happens to the participants when they after the participation in publicly protected employment as judged qualified not for the labour market?In this essay we have chosen a qualitative method as an approach, mainly because we consider our material as being qualitative in its character.

The reason for this study is to settle the balance between technology and preponderance in war. Each theory claims its own superiority to be decisive when it comes to achieving military victories, but this study will show what actually happens when the two theories are analyzed together in the same conflict. To prove the conclusions, a case-study on Operation Gazelle is used. The study will describe the theories, what a military victory is and which party in the conflict came out victorious after this specific operation. Both sides? forces will be shown and compared.

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.

One could argue that the most discussed topic in finance is whether or not it is possible to ?beat the market?. Even though many people claim to do this, there is little evidence to support the idea that one can consistently beat the market over a long period of time. There are indeed several examples of investors who have managed to outperform the market consistently for a long time, but the efforts of these individuals or institutions could by many be considered to be pure luck.One of the many strategies that have been evaluated by several researchers and is said to generate a risk adjusted return greater than that of the market, is one based on the P/E-effect. This strategy is based on the financial ratio P/E ? price divided by earnings ? and used by constructing portfolios consisting of stocks with low P/E ratios.

Along with the development of technology, the cross-border trade is increasing and therefore there is a need for greater consumer protection. A good consumer protection creates a feeling of safety for the consumer and that by itself may help to increase cross-border trade. This is one of the reasons for why the EU has established regulatory framework for electronic commerce, for example the Directive2000/31/EC. The direc-tive strives to create a similar law for electronic commerce within the European Union. This paper?s main purpose is to ensure that the directive is implemented properly in Swedish law, and if there are other possible ways to achieve the objective, other than the ones that the Swedish legislator has chosen.

AbstractThe purpose of this essay is to investigate the priority rules in the event of termination due to redundancy, the rules functions according to the Swedish labour market and which other alternatives that exist besides the priority rules. The alternatives to the priority rules which are introduced in the essay are the Danish Flexicurity-model and a proposal from the Långtidsutredningen 2011. The rule of priority is a very controversial law at the Swedish labour market, which makes the essay also describing the criticism against the rules. The criticism that the essay presents claims that the rules of priority contribute to immobility effects for particularly older employees. Further on the essay presents the criticism towards the rules, that they disadvantage young employees on the labour market.  The essay investigates also what the researchers say about the criticism.The results that are presented in the essay points to the fact that the rules of priority contributes to the immobility effects of employees but the rules can not be claimed to be the only reason.

In the current situation in the housing market and in particular the inner city much attention is directed towards achieved prices per square meter in sales. The indicator is as a principle an appropriate measure of the housing market?s health and development, and can to some extent be used to make approximations of the general economic health status of municipalities and counties. It occurs occasionally that questions about whether prices are based on fundamentals at all times.The thesis questions that very issue, not from a macro accompanying financial perspective but rather from a microeconomic perspective, where each tenant ownership in the study is a micro-object. Are the observed prices per square meter rational relative to housing cooperative?s assets or is there a lack in the observed prices anchoring the respective association's finances.

Many organizational changes have been accomplished in elder care since the 1980's and many of those have been influenced by market mechanisms. The purpose of this study is to examine how the implementation of these market mechanisms has affected three important aspects in the work situation for personnel. These aspects are, demand, control and support. To attain the purpose of this study, five qualitative interviews with home care personnel have been carried out. The interview material has been analyzed and structured with the help of Karasek and Theorells demand-control-support model.

This paper studies the option market?s implied dividend as a predictor of future equity market returns. We introduce this variable in the simple total return framework and discuss some complications of using it as a proxy for the expected dividend. We construct some regressions using the price-dividend ratio and the implied dividend growth, and test them on six years worth of data on the EURO STOXX 50-index. The main result is that implied dividend growth exhibits some forecastability over two-year horizons, but that the dataset is too short to draw any definitive conclusions about long-horizon forecastability.