Customer	relations	and	the	right	 to	privacy,	e.g.	Topdanmark	has	 clear	guidelines	for	how	claims	 are	investigated	if	insurance	fraud	 is	suspected,	and	for	handling	 personal	data Employee	relations,	where	there	is	 a	wide	range	of	HR	policies	and	a	 management	system	which	meet	 the	challenges	of	and	the	problems	 arising	from	stress,	lack	of	employee	 satisfaction	and	equal	rights.