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.     .

"A discourse analysis of the debate on prostitution 1993-2011" The aim of this essay is to investigate how prostitution is constructed in the debate. The analysis is based off debate articles from four of the biggest Swedish news papers. Articles from two periods of time has been chosen, 1993-1999 and 2008-2011. The specific periods were selected because they revolve around the Swedish ban on the purchase of sexual services in 1999, and when it was evaluated in 2008. With a constructivist aim based on gender research, the themes and subject positions of the debate are explored via discourse analysis.

A number of publications has been produced for two companies in Dalarna, Utvecklingshuset andSkönhetsbanken.Utvecklingshuset is working, among other things, with stressyndroms and by treating crises. Theirpublications consist of a number of product sheets, a folder and a brochure. They want to use the publicationsfor information to their customers.Skönhetsbanken is a beauty saloon who will have a brochure to mediate the services they can offer.Photos have been taken, existing and for this purpose written texts have been used.The softwares Adobe Photoshop 7.0 and Adobe Indesign 2.0 have been used for all publications andthe work with producing these has been satisfactory.The effect of a good cooperation with the companies has resulted in that they are pleased with thepublications and feel that they have been part of the end of the results.All of the publications have been or will be printed with digital printing methods, which is the reasonfor the choice of the litterature survey.The survey deals with, among other things, how the digital press works, which papers that are suitable,economic aspects and what a graphic designer should have in mind when it comes to graphic productsthat will be printed with digital printing methods..

The aim of this study is to through six interviews, with six experienced, social workers?, in three cities, understand how the child?s position in the Swedish child protective services? enquiries has change, and the factors behind it. The aim is also to compare if the social workers? view of the child?s position in the enquire has change accordingly to Socialstyrelsens intentions of BBIC. The theoretical approaches that was used is the new institutionalism, the Shier?s pathways to participation and the term discretion.

The purpose with this essay has been to describe and understand why youth community service became a penalty in Sweden. The political discourse in which youth community service was established has been analyzed with Laclau & Mouffe´s discourse theory. A social constructivist onset and a discourse analysis were the methodological tools of the essay. The result is two folded. Youth community service was created to strengthen the constitutional state, combined with high beliefs of the social services competence.

This paper exemplifies how the physical environment affects clients? experienced service quality and how companies work with the physical environment. In the empiric study, we conducted a case study and studied two hairdressing saloons. The study showed a connection between physical environment and experienced service quality in the business of hairdressing. Owners of hairdressing saloons perceive that a combination of the personal meeting and the physical environment influence the clients? general impression and their experience of quality.

This study is based on interviews with heads of unit, care staff and senior representatives from a total of six people. We have in this study directed our focus on care quality in the elderly as a concept in development. It appears, when the elderly do not have any dependents, it is even more important that staff supports some extra where no relatives are involved.Quality of life is the broader concept of good quality care and where a good quality of care is a necessary condition for a good quality of life. According to the social services care is the target that older people will live a good life and be allowed to live in a safe environment, which we intend to investigate in this study. Opportunity for greater influence should now be given to older people and their families on how interventions should be designed and implemented.

The aim of this qualitative study was to explore which inner conceptions about the abused older women the professional social workers had and how they experienced the enconter of an abused old woman in an intimate partner relation. The theoretical background is social construction by Berger and Luckmann. This theory was uset to analyze the transcribed interviews. This study is based on nine interviews with five professionals in social services, three volunteers from the voluntary sector and one social worker who worked in a community based support group for abused older women. The result of this study shows that older women were often abused, by a relative they were dependent on, in their home.

This study is made in cooperation with the insurance company, Skandia. Skandia is a part of Old Mutual group?s Nordic division and is one of Swedens largest insurance companies with a total of 1.9 million customers. The company offers traditional life assurance, unit-linked insurance, private healthcare insurance and banking services. Insurance companies such as Skandia operate in a highly competitive environment.

The common drivers for hotel accommodation are tourism and business travel and hotel demand seem to outstrip supply in many places. More than 50 % of visitors to Sweden stay at a traditional hotel but is there room for alternate accommodation like serviced apartments besides the traditional hotel for people visiting? These are usually referred to as extended stay or long-stay accommodation. The aim of this thesis project is to explore whether there are growth opportunities for serviced apartments in Sweden. A secondary aim of the thesis project is to identify challenges (if any) to this segment and also to identify the major operators of serviced apartments in Sweden.

The purpose of this study was to obtain an understanding of how the employees at LFV Group Swedish Airports and Air Navigation Services (Luftfartsverket) manage to combine work and family, and put this in relation to the concepts of employer of choice and socially sustainable development. Qualitative interviews were carried out with 23 randomly selected participants at the three largest places of work within the organisation. The results showed that the combination of work and family mostly could be managed but that factors like high workload and feelings of stress affected the participants in a negative way. The main measures facilitating the combination of work and family were shorter working hours and support with domestic chores. LFV can partly be considered an employer of choice when it comes to family friendly benefits but changes could be made for further improvement.

EG-rätten är en egen rättsordning som har företräde framför den nationella rätten, vilket innebär att medlemsstaterna har en skyldighet att följa EG-rätten. Förverkligandet av målet om att skapa en inre marknad inom EG förutsätter ett gemensamt system för mervärdesskatt. Flera direktiv har antagits för att harmonisera mervärdesskatten inom gemenskapen.Mervärdesskatt är en generell konsumtionsskatt som skall bäras av slutkonsumenten. Ett avdragssystem säkerställer att skattebördan vältras framåt för att slutligen belasta slutkonsumenten. En skattskyldig person som förvärvar varor till sin verksamhet medges därmed avdrag för ingående mervärdesskatt.

EG-rätten är en egen rättsordning som har företräde framför den nationella rätten, vilket innebär att medlemsstaterna har en skyldighet att följa EG-rätten. Förverkligandet av målet om att skapa en inre marknad inom EG förutsätter ett gemensamt system för mervärdesskatt. Flera direktiv har antagits för att harmonisera mervärdesskatten inom gemenskapen.Mervärdesskatt är en generell konsumtionsskatt som skall bäras av slutkonsumenten. Ett avdragssystem säkerställer att skattebördan vältras framåt för att slutligen belasta slutkonsumenten. En skattskyldig person som förvärvar varor till sin verksamhet medges därmed avdrag för ingående mervärdesskatt.

Resebyråbranschen har kommit att förändras på grund av utvecklingen av Internet. Idag finns resebyråer tillgängliga både som fysisk resebyrå och på Internet. Genom Internets utveckling har möjligheterna för konsumenter ökat vid bokning av resa. Syftet med uppsatsen är att undersöka hur den fysiska resebyråns framtid kommer påverkas av att resebyråer på Internet får allt större plats. Syftet är också att undersöka konsumenters syn på resebyråns framtid.

The purpose of this essay has been to study if the social services adjust the choice of institution to every juvenile's need of care. If the choice of institution isn't adjusted to the juveniles the institutional placement can become a way to store them rather then treat them.To accomplish the purpose of the essay we have interviewed ten social workers with different worktitles and positions. We have delimited the study to three swedish communities with varying sizes. We have analyzed the material with Bourdieus theory of "field" and "doxa" and Antonovskys theory "a sense of coherence" (SOC).We came to the conclusion that the social service adjusted the choice of institution to the juveniles needs as much as possible. Although there are a couple of factors that some times makes the best choices impossible.