Spain Travel Guides Map

In-Spain.info - Culture in Spain Information on Spain - Travel Spain - Spain Tourism - Map of Spain - Spanish Travel Guide - Spanish Phrases You are here: Home > At a Glance > Spanish Culture Search this site with Google: Web in-spain.info Tell a friend about this site ySpanish Culture While in Spain, be prepared for late lunches and dinners and late evenings out on the town. We've found that taking a siesta in the afternoons helps in getting adjusted to the Spanish schedule. Do's and Don'ts Don't be surprised at how rapidly people speak. We found our Spanish skills are severely tested on many occasions. And don't forget to lisp your z's and internal c's. (For example, Ibiza is pronounced Ee-BEETH-a). Don't complain about cigarette smoke in bars—be aware you'll either be laughed at or shown the door. And don't expect to find "No Smoking" sections in restaurants, either. There is no such thing in Spain. Spaniards often tell us that people who complain about such things are "afraid of life". Do carry some small change—you'll need it to use the public bathrooms. Don't wear shorts in churches; wear them only on beaches and at beach resorts. Women may be the object of unwanted attention more than in Northern Europe, particularly if they're traveling alone or visiting Andalusia or the southern Mediterranean coast. The Best response is no response at all—any attention given is likely to be misinterpreted. Do try to see the fastest ball game in the world, pelota (jai alai), played mainly in Bilbao and Guernica. Do be aware that the penalties for drug possession are severe, and convicted offenders can expect jail sentences. Tipping Tipping is a great tradition in Spain. While practically all establishments currently include a surcharge for service it is still common to leave something of a tip. This custom, common in bars and restaurants, has extended to hotel porters, theatre ushers and taxi drivers, though in none of these cases is it obligatory nor will anyone recriminate a client for not tipping. Smoking Smoking is commonplace amongst men and women in Spain, and do not expect to find many non-smoking areas designated in bars and restaurants. Smoking is also common in fast food restaurants, shops and malls. You probably won't get a polite answer if you ask someone to stop smoking a cigarette for whatever reason. For smokers, this will not be a problem, but non-smokers may find this uncomfortable. Cigarettes and cigars are reasonably cheap, and at the moment average about 2€ per packet. Your Ad Here Book your holiday: Hotels in Spain Car Hire in Spain Organised Tours in Spain Basic Info Spanish News Headlines Spanish News Weekday Roundup Spanish Flags Postal Service Travel & Transport Map of Spain Transport in Spain Tourist Information If things go wrong Hotel Accommodation Spanish Tourist Offices - Wordwide Spanish Culture Spanish Culture Spanish Time Dress codes Spain Travel Guides Map of Spain Spain - Home | Spain at a glance | Spain region guide | Best of Spain | Learn Spanish Phrases | Special Features | Hotels in Spain | Map of Spain All content © 2003 In-Spain.info All Rights Reserved. If you notice any errors on this site, please report them to webmaster@in-spain.info . You can add a link to this site here. Site Map - Useful Travel Links - Spain related links Looking for car hire in Malaga and Andalucia? Try Malaga car hire for great deals! Looking for hotels in Marbella and the rest of the Costa del Sol? Try Hotels in Marbella for top savings!

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QBE Insurance Group - Home Page If you can read this your browser does not support javascript or this feature is currently switched off. Please update your browser using one of the following links or enable javascripting via your browser settings. Click here to download Internet Explorer 6 Click here to download Mozilla QBE Insurance Group "QBE Insurance is Australia's leading International General Insurance and Reinsurance groups and one of the to 25 world wide." Core underwriting entities Standard & Poor's Rating = A+ Our Vision internationally recognised as a highly successful general insurance and reinsurance group; a builder of shareholders' wealth; a developer of "can do" people; and an organisation that excels in the continuous delivery of new and proven quality products and services. Our Values increasing the long-term wealth of shareholders; customer satisfaction and retention; employee satisfaction; and integrity. Divisions Group Annual Report Press Releases Shareholder Centre Financial Centre Webcasts Australia "QBE Insurance Australia, protecting people in all walks of life - from the home to the office and beyond" From our humble beginnings as the North Queensland Insurance company we have grown into a sophisticated provider of general insurance products. Our strength is our diversity. We provide over nine broad categories of general insurance. We provide comprehensive protection for peoples' homes, their lifestyles, their work environments. As a group, QBE works together to improve our customer service, our technology and our products. QBE Insurance - Aviation QBE Insurance - Commercial - QBE Mercantile Mutual QBE Insurance - Compulsory Third Party - CTP QBE Insurance - Corporate QBE Insurance - Personal - WQBE - Western QBE QBE Insurance - Professional Liability QBE Insurance - Surety QBE Insurance - Trade Credit QBE Insurance - Travel QBE Insurance - Workers Compensation Application for Credit Limit Endorsement QBE Insurance - Europe QBE Insurance - Asia Pacific QBE Asia Pacific: Our Vision Increasing Accountability Local Knowledge - Specialist Expertise Thriving on Complexity Our Vision - QBE Asia Pacific We aim to be recognised within the Asia Pacific markets as: a highly successful provider of specialist insurance solutions a team of results-oriented entrepreneurs with high levels of expertise and integrity a strong and ethical business partner an organisation that thrives on innovation and excels in the delivery of quality products and services a builder of customer value and shareholder wealth Increasing Accountability & Litigation For Asia Pacific companies to thrive in today's challenging business environment, they must be smarter, quicker and more entrepreneurial. They constantly face new business exposures and challenges arising from government regulation and common law. The margin for error has been squeezed in business today, and managers are confronted by the global trend of increasing accountability and litigation. They need specialist insurance solutions, backed by technical expertise. Equally as important, they need risk management experts with specialist knowledge who can translate the global into practical solutions at the local level - and then provide the on-the-ground resources when they are needed most. QBE Asia Pacific Operations has developed considerable strengths to best serve clients. Our history of commitment to the Asia Pacific markets means that we've developed a wealth of knowledge and experience. Local Knowledge - Specialist Expertise Five of our operations were established in the late 1880s, and four more were established in the early 1890s. Building on this strong foundation, we entered four additional markets in the 1970s and 80s, and five more in the 1990s. We now have over 18 QBE operations in various markets throughout the Asia Pacific region. Each market features different characteristics and dynamics, and local market knowledge can make all the difference for clients. For example, QBE operates in: Mature markets such as Singapore, New Zealand and Japan Emerging markets such as Indonesia and the Philippines Developing markets such as Thailand and Malaysia Small markets characterised by tightly knit communities, such as Vanuatu and Micronesia Markets that are rapidly moving toward more open economies, such as Vietnam and China Markets that have seen new opportunities emerge from the return to their motherland, such as Macau and Hong Kong Markets that operate under French customs and law, such as New Caledonia and French Polynesia Markets that have experienced political and social upheavals, such as Fiji, Papua New Guinea and the Solomon Islands In each of these markets, local knowledge is invaluable. And with the internationalisation of trade and business practice, businesses also need an underwriter with specialist insurance expertise, vast global experience and solid financial strength. Thriving on Complexity Ours is a complex business, and we thrive on that challenge. It is also a dynamic one, with growth driven by an acquisition strategy and a commitment to the professional development of our local teams. We are a grass roots company that is international in every sense of the word. The combination of local knowledge and specialist expertise provides important benefits to clients and intermediaries. In Asia Pacific, it's the QBE difference! QBE Insurance - QBE Asia Pacific - Specialist Risks Unit QBE Insurance - QBE Asia Pacific - Marine Risks Network QBE Insurance - QBE Asia Pacific - Hong Kong QBE Insurance - QBE Asia Pacific - Indonesia QBE Insurance - QBE Asia Pacific - Macau QBE Insurance - QBE Asia Pacific - Mainland China QBE Insurance - QBE Asia Pacific - Malaysia QBE Insurance - QBE Asia Pacific - Philippines QBE Insurance - QBE Asia Pacific - Singapore QBE Insurance - QBE Asia Pacific - Thailand QBE Insurance - QBE Asia Pacific - Vietnam QBE Insurance - QBE Asia Pacific - Fiji QBE Insurance - QBE Asia Pacific - French Polynesia QBE Insurance - QBE Asia Pacific - Japan QBE Insurance - QBE Asia Pacific - Micronesia QBE Insurance - QBE Asia Pacific - New Caledonia QBE Insurance - QBE Asia Pacific - New Zealand QBE Insurance - QBE Asia Pacific - Papua New Guinea QBE Insurance - QBE Asia Pacific - Solomon Islands QBE Insurance - QBE Asia Pacific - Vanuatu QBE Insurance - the Americas QBE Insurance Group Limited, is an insurance and reinsurance company publicly traded on the Australian Stock Exchange. Its history dates back over 116 years when the Company was founded in Australia. Since then the Company has grown to have operations in 47 countries with over $2 billion dollars of capital writing in excess of $3 billion dollars in premium. QBE the Americas operations commenced in 1986 when the QBE Insurance Group established a presence in the U.S. QBE the Americas now conducts business through its five companies, QBE Reinsurance Corporation, QBE Insurance Corporation, QBE Aseguradora de Riesgos del Trabajo S.A.,Argentina, QBE Del Istmo, Panama and QBE Brasil Seguros S.A. Lloyd's The Lloyd's division comprises QBE's share of the Lloyd's syndicates managed by Limit. The 2001 results are the first to contain a full year of activity from the acquisition of Limit in August 2000. Gross written premium for the Lloyd's division was $2,182 million, compared with $547 million last year. Net earned premium was up 273% to $1,365 million. Significant progress was made during 2001 towards achieving the objectives set out in last year's annual report. The rationalisation of the structure of the Lloyd's division continued with the merger of syndicates 79 and 2999, the closure of the under-performing syndicate 456 and the disposal of the property and aviation syndicate 318. This resulted in a significant reallocation of QBE's capital towards its best performing Lloyd's syndicates. Our exposure to poor performing US liability business was significantly reduced. QBE is now the sole capital provider to each of Limit's syndicates, other than syndicate 386 where our share has increased to over 40%. For the 2002 underwriting year, QBE provides 78% of Limit's aggregate capacity compared with 72% in 2001. The tragic events of 11 September overshadowed the year and the World Trade Center (WTC) loss had a significant impact on performance. In addition, upgrades were made to prior year outstanding claims provisions, principally to reflect adverse development on US liability business seen across the market. These upgrades have been substantially mitigated by reinsurance protections and provisions established on acquisition to allow for deterioration. Consequently, the result for the year largely reflects the performance of the 2001 underwriting year. The claims ratio was 72.9%, compared with 59.4% for last year. The combined operating ratio was 108.6%, compared with 101.1% last year. Excluding the WTC loss, the combined operating ratio would have been 101.0%. The movement in the commission ratio from 27.3% to 24.6% reflects the change in the mix of business during 2001. The decrease in the expense ratio from 14.4% to 11.1% reflects the synergies and savings delivered by the integration of QBE's former Lloyd's operations with Limit, partly offset by residual post acquisition integration costs during the year. 2001 was a transitional year in the market cycle with the rate increases anticipated at the start of the year not materialising until at least the middle of the year and, in some cases, not until after the impact of 11 September. We are now seeing substantial increases in premium rates across all classes of business underwritten within the Lloyd's division. These rate increases, together with a high level of business retention, new business opportunities and the reallocation of QBE's capital, should ensure profitability for the 2002 underwriting year. Our objectives for 2002 are to: take advantage of the dramatically improved rating environment and return all areas of underwriting to strong profitability; seek further rationalisation of the underwriting and operating structure in order to improve capital efficiency and our expense ratio; acquire further capacity on syndicate 386 as it becomes available; and be actively involved in the reforms proposed for the Lloyd's market. Our business at Lloyd's remains highly dependent upon the quality and commitment of our underwriters and their business franchise. I thank them for their efforts and achievements, which have ensured that QBE's Lloyd's division is now ideally positioned to take advantage of the hard market conditions now prevailing at Lloyd's. Steven Burns, Managing director, Lloyd's division Global Trade Credit "QBE Trade Credit, World-Wide credit solutions in an increasingly volatile business environment" QBE's Trade Credit underwrites $30bn of domestic and export trade credit from units in Australia, New Zealand, Asia and Europe having extensive experience in assessing risks in over 150 markets. We are a Standard and Poors A+ rated company. Supported by a product range of tailored solutions to your credit needs, QBE is uniquely placed to offer our clients the opportunity to conduct business in a secure environment. Established in 1962, we have in the last four decades risen to become the largest Australian Insurer offering both Domestic and Export trade credit insurance and have expanded offshore to service our clients locally around the world. QBE Re QBE Re is a leading global reinsurer providing treaty and facultative reinsurance, direct insurance, and other financial products to its varied clients. QBE Re conducts business through three Divisions: Australia, Europe, and the Americas. As a global reinsurer, QBE Re underwrites traditional and financial products covering all major lines and classes of business. Through its divisional network of companies, QBE Re excels in providing regional expertise and service tailored to local-market needs. For additional solutions from QBE Re, please visit our local teams: QBE Insurance - Australia QBE Insurance - Europe QBE Insurance - the Americas

Switzerland Travel Guide @

switzerland travel vacations Switzerland Tourism Home World Tourism AfghanistanTourism - Albania Tourism - AlgeriaTourism - Andorra Tourism - AngolaTourism - Antigua and Barbuda Tourism - ArgentinaTourism - Armenia Tourism - AustraliaTourism - Austria Tourism - AzerbaijanTourism - Bahamas Tourism - BahrainTourism - Bangladesh Tourism - BarbadosTourism - Belarus Tourism - BelgiumTourism - Belize Tourism - BhutanTourism - Bolivia Tourism - Bosniaand Herzegovina Tourism - BotswanaTourism - Brazil Tourism - BritishVirgin Islands Tourism - BulgariaTourism - Cambodia Tourism - Canada Tourism - CaymanIslands Tourism - Chad Tourism - ChileTourism - China Tourism - ColombiaTourism - Comoros Tourism - CroatiaTourism - Cuba Tourism - CyprusTourism - Czech Republic Tourism - DominicaTourism - Dominican Republic Tourism - DenmarkTourism - Ecuador Tourism - EgyptTourism - El Salvador Tourism - EstoniaTourism - Ethiopia Tourism - FijiTourism - Finland Tourism - FranceTourism - Georgia Tourism - GermanyTourism - Ghana Tourism - GreeceTourism - Grenada Tourism - GuyanaTourism - Haiti Tourism - HondurasTourism - Hungary Tourism - IcelandTourism - India Tourism - IndonesiaTourism - Iraq Tourism - IranTourism - Ireland Tourism - IsraelTourism - Italy Tourism - IvoryCoast Tourism - JamaicaTourism - Japan Tourism - Jordan Tourism - KazakstanTourism - Kuwait Tourism - KyrgyzstanTourism - Laos Tourism - LatviaTourism - Lebanon Tourism - LibyaTourism - Lithuania Tourism - LuxembourgTourism - Madagascar Tourism - MaldivesTourism - Mauritania Tourism - MauritiusTourism - Mexico Tourism - MoldovaTourism - Mongolia Tourism - NepalTourism - Netherlands Tourism - NewZealand Tourism - Nicaragua Tourism - NigeriaTourism - North Korea Tourism - NorwayTourism - Oman Tourism - PakistanTourism - Panama Tourism - PapuaNew Guinea Tourism - Paraguay Tourism - PeruTourism - Philippines Tourism - PolandTourism - Portugal Tourism - QatarTourism - Romania Tourism - RussiaTourism - Saudi Arabia Tourism - SerbiaTourism - Seychelles Tourism - SingaporeTourism - Slovakia Tourism - SloveniaTourism - Somalia Tourism - SouthAfrica Tourism - South KoreaTourism - Spain Tourism - Sri Lanka Tourism - St.Kitts and Nevis Tourism - St. LuciaTourism - Sudan Tourism - Sweden Tourism - SwitzerlandTourism - Syria Tourism - TajikistanTourism - Thailand Tourism - Trinidadand Tobago Tourism - Turkey Tourism - TurkmenistanTourism - Turks and Caicos IslandsTourism - Uganda Tourism - United Arab Emirates Tourism - UnitedKingdom Tourism - United StatesTourism - Uruguay Tourism - Uzbekistan Tourism - VenezuelaTourism - Vietnam Tourism Due to the nature of the topic and the wide range of information available, in order to cover only a tiny bit of it properly, some of the websites included here may have a commercial element in addition to the excellent information they provide. Such inclusion does not constitute an endorsement of product or service by archaeolink.com. Sites are included for information value only. The number of sites available online for this topic is enormous. This site can not and does not index all travel resources for a country. These "tourism" pages are basically designed as a supplement to the Switzerland Social Studies links rather than for the avid business or pleasure traveler. For those of you for whom this "supplementary" material is not enough, the following does provide some idea of what is available online and will hopefully be a good starting point for a more serious search. IgoUgo: Switzerland Tourism, Things To Do In Switzerland __ You will find a series of journals written by real travelers giving their impressions and recommendations. - illustrated - From igougo.com - http://www.igougo.com/planning/journalRegion.asp?LocationID=298 Switzerland __ "Switzerland conjures up a fair swag of clichs: irresistible chocolates, kitsch clocks, yodelling Heidis, humourless bankers, international bureaucracies and an orderly, anally-retentive and rather bland national persona. But Harry Lime was wrong on more than one account when, in The Third Man , he said 500 years of Swiss democracy and peace had produced nothing more than the cuckoo clock. For a start, the Germans invented this monstrous timepiece; secondly, the Swiss, who are a brainy lot, have won more Nobel Prizes and registered more patents per capita than any other nation on earth. Muesli, DDT and life insurance may not be the stuff of legend, but where would the rest of us swashbucklers be without a bit of Swiss nous behind us?" History, culture, statistics and more. - illustrated - From Lonely Planet - http://www.lonelyplanet.com/destinations/europe/switzerland/ Switzerland Tourism __ Learn all you need to have a great vacation in Switzerland. You will find information about sights to see and things to do along with accommodations, events, weather, shopping and a lot more. - illustrated - From myswitzerland.com - http://www.myswitzerland.com/ Switzerland tourism - Switzerland vacation reviews __ Wide ranging general interest page about Switzerland tourism including hotel recommendations, sights to see and things to do. - illustrated - From tripadvisor.com - http://www.tripadvisor.com/Tourism-g188045-Switzerland-Vacations.html Switzerland Travel Guide @ TravelNotes.org __ "...Switzerland is also called La Suisse in French; Schweiz in German; and Svizzera in Italian. Find out more about Switzerland." - From TravelNotes.org - http://www.travelnotes.org/Europe/switzerland.htm Web archaeolink.com Top of Page

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