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Cover -- Half Title -- Title Page -- Copyright Page -- Contents -- Preface -- 1 Introduction -- Introduction -- The Insurance Market -- The Regulation of Insurance -- The Single Market Concept -- History of EC Legislation -- Home State Regulation v Host State Regulation -- The Present and the Future -- Conclusions -- 2 The Treaty Provisions -- The Four Freedoms -- Free Movement of Services -- 3 The Directives -- Regulation -- Insurance Contract Law -- 4 The System of Home Country Regulation -- Co-ordination Between National Authorities -- 5 Insurance Contract Law -- Private International Law -- Jurisdiction -- Choice of Law -- Enforcement -- The Harmonisation of Insurance Contract Law -- Intermediaries -- The Role of Ombudsman Schemes in the European Union -- 6 The Competition Law Aspects -- Anti-competitive Practices -- 7 The Commission's Review -- Refusal to Provide Services to Non-residents -- Failure to Provide Adequate Information -- Fraud by Intermediaries -- Distance Selling -- Constitutional Aspects of the Commission's Behaviour -- The Insurance Committee -- Other Areas of Concern -- The Next Step -- 8 The Future -- Future Europe -- The Future of Financial Services -- Priorities for Future Action -- Index

AbstractWe examine the role of between- and within-firm mobility in the early-career outcomes of immigrant men. Among Canadian workers with less than 10 years of potential experience, we find that visible minority immigrants were significantly less likely to have been promoted with their initial employers than similar white natives but were just as likely to have moved to new employers over the course of a year between interviews. White immigrants, on the other hand, were just as likely to be promoted as white natives but much more likely to move to new employers—suggesting that they enjoyed more overall mobility than white natives and other immigrants. We present tentative evidence linking these mobility patterns to differences in wage growth and occupational change between immigrants and natives. Overall, our findings suggest that the between- and within-firm mobility of white immigrants may play an important role in their relative economic success in Canada, while adding to growing evidence that visible minority immigrants experience frictions in the labor market that hinder their mobility and thus their economic prospects.JEL Classification:J61, J71

We examine the role of between- and within-firm mobility in the early-career outcomes of immigrant men. Among Canadian workers with less than 10 years of potential experience, we find that visible minority immigrants were significantly less likely to have been promoted with their initial employers than similar white natives but were just as likely to have moved to new employers over the course of a year between interviews. White immigrants, on the other hand, were just as likely to be promoted as white natives but much more likely to move to new employers—suggesting that they enjoyed more overall mobility than white natives and other immigrants. We present tentative evidence linking these mobility patterns to differences in wage growth and occupational change between immigrants and natives. Overall, our findings suggest that the between- and within-firm mobility of white immigrants may play an important role in their relative economic success in Canada, while adding to growing evidence that visible minority immigrants experience frictions in the labor market that hinder their mobility and thus their economic prospects. JEL Classification: J61, J71 ; Irving K. Barber School of Arts and Sciences (Okanagan) ; Non UBC ; Economics, Philosophy and Political Science, Department of (Okanagan) ; Reviewed ; Faculty