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.

Jumper´s knee is a common overuse injury due to repetitive microtrauma to the patellar tendon. It is especially common among athletes who are involved in sporting activities that involve jumping or fast running. The term jumper´s knee was adopted after Blazina published his original paper in 1973. Its pathology can be considered as a partial or total rupture of the patellar tendon in one of its three insertions. The aim of this literature study was to review the methods used to treat this condition and the results obtained focusing on pain relief and returning to previous sport or level of activity.

AimThe aim of this essay is to investigate the possibility to exercise climbing within the framework of the physical education in the obligatory school. We investigated how physical education teachers think about exercising climbing in school and how the Swedish Climbing Association is working to reach out to schools.MethodA questionnaire was sent out to 81 schools (Idrottshögskolans partner schools) in suburban Stockholm, which corresponds to 10% of the total amount of schools in that area. A mail interview was also made with a representative for the Swedish Climbing Association who also represented a local climbing association, to collect information about how they worked with schools and youth.ResultsWe have not found anything in the steering documents against exercising climbing during physical education. There are obstacles for exercising climbing during physical education, a wall for climbing is very expensive and the schools have a lack of space for this wall. The results from the questionnaire showed that 76% of all the schools that did not have a wall for climbing wanted to have one.

The purpose of this study was to examine in which way personnel who work with LVM approach their client?s integrity, autonomy and their participation in decision making. We used a semistructured interview when we interviewed three social workers, one placement secretary and four care personnel who work at institutions for LVM. In the theoretical approach of this study we used the total institutions and the user influence by clients. The study has shown that personnel?s considerations to their client?s integrity, autonomy and participation in decisions are a convoluted problem.

Making accurate predictions of private consumption expenditures is a difficult task. This thesis examines if consumer confidence can be used to forecast consumption. Using regression analysis, the link between consumer confidence and private consumption expenditures is analyzed for Sweden between the years 1994 and 2005. Two different models are estimated. In the first model consumption is regressed only on consumer confidence, while model two is extended to contain more variables.

When the emissions from the diesel trucks today accounts for a large part of the total emissions from the road traffic, the trend with a more extensive use of diesel trucks for transportation will therefore lead to increasing carbondioxide emissions to the atmosphere. Because of the fact that technical progress in the form of optimized engines and shifts in the means of transport sometimes result in even greater emission levels, other solutions to this problem must be studied to decrease the emissions of carbondioxide from the diesel trucks. The purpose of the thesis is to show how a decrease of the carbondioxide emissions from diesel trucks in Sweden can be achieved in a costeffective way by the use of a carbondioxide tax and a differentiated vehicle tax. The method used in order to fullfill the purpose of the thesis is studies of literature, mainly of public government reports. Literature of enviromental economics will be used to show the need of a tax and how to determine the dynamic effective carbondioxide tax in steady-state.

Usability is a well-known term in system development. Today both consumers and organizations aim to increase usability. The purpose of the study is to gain knowledge about inexperienced users? interactions with websites and concretize that knowledge for future studies.Interviews have been conducted within two areas where experienced web developers with extensive programming knowledge brought know-how while inexperienced users without any programming knowledge have given their views. A number of existing tools for web publishing have been analyzed.

To introduce a standardized component assortment takes a lot of effort in order to make real cost savings. The rationalization effect itself is important, but perhaps even more important is to state the aim of the standardization efforts in a well-defined way. How can an organization assure that they are working in a proper way? How do they know that their efforts are being interpreted into the whole organization? And, how do they know that the standardization efforts actually save money? Different components differ heavily e.g. in technical complexity and quality issues.

The purpose of this Master Thesis is to investigate the quality of the library service at the City Library of Uddevalla. In particular this thesis will examine the quality of the library service to people who are disabled. This applies particularly to the service to people with reduced ability to move or to see, which also includes people with infirmities due to old age. We also have investigated how well the library itself is adapted to the disabled. In order to get more information about the library service to people who are disabled, we have studied literature on this subject and the Master Thesis contains a summary of those documents.

Child poverty in Sweden is a widespread phenomenon and occurs in diverse spheres in society; at home, in school and in leisure activities. Therefore more professions than just traditional social workers meet this phenomenon in varied areas which creates different comprehensions and abilities to handle the issue among various professions.This study aims to investigate the collaboration between different professions in relation to child poverty in a municipality in Sweden. Represented professions are social workers, teachers, welfare officer, recreation instructor and leaders, special assistant and municipality coordinator. In total eleven persons were interviewed.The results illustrate a good will among the professions to collaborate to improve negative consequences of child poverty. Traditional boundaries between professions are limited since every profession is needed in this collaboration and have the opportunity to use their professional knowledge in a certain field.

Syftet med föreliggande arbete är att med utgångspunkt i ett posthumanistiskt perspektivstudera hur pojkar blir till i nätverk av mänskliga och icke-mänskliga aktörer påförskolegården. Ett posthumanistiskt perspektiv och en normkritisk teori är utgångspunkterför studien. Vårt empiriska material har insamlats genom videoinspelningar och observationergenom observationsschema. Vi har genomfört studien på en förskolegård under tre tillfällen,total har 4,5 timmes empirisk material samlats in. Resultatet belyser tre teman som viuppmärksammat som återkommande i det empiriska materialet.

Bankruptcy is a problem for the society in form of high costs for including suppliers, customers, employees, investors, banks, insurance companies etc. The purpose of this study is to confirm or dismiss a bankruptcy prediction model that has been developed in a previous Swedish study, in order to predict bankruptcy with help of specific key figures. The model has only been tested in a larger perspective where the population consisted of all small firms in Sweden, in this study the model´s reliability is tested by that it instead been applied to a minor perspective, where the population only includes Stockholm. With a quantitative approach of 12 different key figures from a total of 60 Swedish smaller registered companies in Stockholm between the years 2005-2007, has been studied. The companies are divided into two groups, companies with good financial health and companies that have ended up in bankruptcy.The results shows that the model is applicable in a smaller population, but some of the key figures do not generate essential or any type of information about bankruptcy, but the majority of the key figures in the model did.

The purpose of this retrospective study was to investigate the prescription of antibiotics to dogs at the small animal clinic at Ecole Nationale Vétérinaire, Nantes, France. The purpose was also to compare the possible prescription patterns in France with those seen in a similar study by Petersson (2003) at the small animal clinic at the Swedish University of Agricultural Sciences, Uppsala. Antibiotics are very important in veterinary medicine and are used both to treat infections and to prevent them. The use of antibiotics however is not without complications and the risk of developing antimicrobial resistance is of most concern. Resistance has been shown to exist against all currently known antibiotics and potentially all pathogenic bacteria could develop resistance to one or more antibiotics. This study analysed the case records for all dogs presented to the small animal clinic at Ecole Nationale Vétérinaire, Nantes, France during October 2001 and March 2002 to identify patients which were treated with systemic antibiotics. For these cases the antibiotic used, classified according to the ATCvet system, and the indication for use was noted. A total of 292 cases (146 per month) resulted in administration of systemic antibiotics.

Imagine not being able to choose who you are going to be in an intimate relationship with. It used to be like that but the situation has changed - these days we have a lot of different options available to choose for ourselves how to live our lives. We have a lot of different ways to influence how we want to live our lives and with whom we want to share them with.The aim of this study was to examine how individuals feel about their relationship and why they choose to stay in a relationship with their current partner. How do individuals in a relationship feel about aspects including for example conflicts, communication and trust? Is Anthony Giddens theory about the pure relationship applicable on relationships today? To find the answers to these questions we made a quantitative study and used a questionnaire to collect empirical data.

Målet med projektet är att skapa ett spel med ett unikt spelkoncept som gynnar det kreativa tänkandet. Projektet startades med dessa förutsättningar. Analyser gjordes för att få ett helhetsintryck av hur spelmarknaden och spel ser ut idag och för att se om projektet var värt att ta vidare. Efter den analytiska fasen påbörjades en kreativ fas där idéer och koncept togs fram. En brainstorm hölls med en testgrupp för att få fram fler idéer och infallsvinklar till spelet.