The general consensus is that the gap between the Swedish variable mortgage rate and the repo rate has increased over the last years. Although the Riksbank in recent times has cut its base rate, many banks have chosen either to leave the interest rate on variable mortgages unchanged, or they did reduce it but by less points than the reduction in the repo rate. The linear relationship between the repo rate and the variable mortgage rate has changed over the last decade and the mortgage margins these days are relatively high. This can somewhat be explained by the new rules introduced in the bank sector requiring banks to increase liquidity and equity. Since mortgage loans play an important role in banks? lending business it is of interest to gain knowledge in whether a repo rate reduction latterly has generated a limited affect on the banks lending rates..

How does the computer influence teenagers' lives. I interviewed five young people, and gave a questionnaire to another 47, about this.What I found was that they were aware of and handled well the risks with the Internet and the computer, but had problems with the computer taking too much of their time. They wanted more time for their families and outdoor activities. It was mainly the Internet that seemed to have an influence on the teenagers, not the computer as a machine. They told me that there was a rough climate on the Internet, partly because of the possibility of being anonymous.

The construction and use of buildings in the EU accounts for half of the EU?s extracted materials and energy consumptions, and a third of greenhouse gas emissions. In the past decade, the construction sector has responded to such concerns by focusing on post production energy efficiency. However, new findings indicate that upstream construction processes influence emissions significantly ? necessitating a shift in focus to include material choices and building processes.

The aim with the study has been to get an overview of how students perceive their learning in group projects. The survey has been implemented with a quantitative questionnaire with qualitative elements during guidance. Students in grade 9 in a secondary school answered a survey study where they should take side to several proposals about learning and group work. The result shows that students in general do not find learning in group as the best learning method, but instead prefer individual learning methods when to learn new things. On the contrary, students claim that they learn best when group members not think as they but think in another direction.

How the United States anti-terrorist strategy is affecting the view of democracy is the main analysis of this paper. The mechanisms that affect the idea of democracy have been studied on the basis of the philosopher Michael Foucault?s thoughts and the main direction in French discourse analysis. The study is restricted to the period between the 11th of September 2001 and today. Information has been collected entirely from the White House?s website http://www.whitehouse.gov, including speeches, conferences and reports.

Risk-free profit sounds appealing. The opportunity to arbitrage exists. Investments in underpriced IPO:s can generate profit, but for whom?Previous studies have shown that underpricing is a common phenomenon. This study intends to investigate whether underpricing and the arbitrage opportunity exists on Aktietorget which is a smaller venue.

The purpose of this master thesis is to evaluate how the current share price and market consensus affect security analysts target price and if an investor should pay any attention to it. Empirical data is primarily collected from qualitative interviews with ten security analysts but also from a quantitative e-mail survey. Our main finding is that security analysts are indeed affected by each others earnings forecasts as well as the current share price. This is not strange, it is in several aspects rational. Security analysts has often nothing to gain by standing out too much and not either by spending too much time trying to create their own opinions due to lack of time or the complexity of what is analyzed.

Marks do not only work as an acknowledge of the effort that has been made under a long period of time, but also as a receipt for eligibility to further studies. Within the political debate, marks have often caused a big discussion among the political parties. That is due to the obvious difference between the political parties on the left, and their counterparts on the right. However, there is one thing that they all have in common. Everyone of them have plans of measure within their political agenda, regarding the use of marks.The aim of this study has been to try to understand the way pupils think about marks.

Every business is subject to service failures. The process of correcting these failures and turning disappointed customers back into happy ones is called service recovery. This is particularly important in the hotel business, where there are many moments of truth where customers may become dissatisfied. To further complicate things, service recovery is a process where you may have to correct errors of others - people beyond your control. The research field is relatively new and there are no turn-key solutions as to how to systematically work with service recovery.

The purpose with this study was to analyse students' conception of living things, and to establish how a social constructivist learning situation affect their conceptions. The method consisted of questionnaires, followed by group discussions and a final survey. The main result was that students have everyday conceptions about scientific phenomena that are reinforced by the social interaction. Some students were positively influenced by the interaction with their peers, where non-scientific conceptions were replaced by conceptions of a scientific nature. Furthermore, the cultural artifacts are of very good means, but the study showed a strong need for a knowledgeable person, e.g.a teacher, to guide students in the right direction during the discussions.

To assure good quality the software needs to be tested to find errors and to verify that the programme meets the customer?s expectations. Traditional methods are usually used in software development and means that a number of predetermined steps are followed. By using agile methods the development can more easily be adapted to the changes on the market. With these methods the testing is carried out continuously throughout the project.

In this work, I describe the factors that affect the bucking of pine logs on the basis of the machine operator. The aim is to find an explanation why the bucking differs so greatly between requested length results and the actual length results in pine bucking. The used methods in this study were data from simulated pine outcomes, data from earlier length outcomes and analysis of the harvesters' PRI files. This is to identify the problem. To explain the background to the problems a qualitative research interview was used.

AbstractAim: The aim of this study was to investigate if treatment with ?dry needling? in myofascial triggerpoints (MTrPs) in the rotatorcuff muscles may affect impingement symptoms such as pain during provocative tests, shoulder mobility, and function. The research questions were: Does the value of pain change on the Visual Analog Pain Scale (VAS) between before and after treatment? Do the positive provocative tests for impingement change between before and after treatment? Does the active shoulder mobility change between before and after treatment? Does the self-rated function change between before and after treatment?Method: The study was a prospective randomized intervention study and 19 persons with impingement symptoms (mean ± standard deviation; 58 ± 18 years, and shoulder pain duration 3.9 ± 1.6 months) were randomized into two groups. The groups were tested before, directly after and 3 weeks after treatment.

This report is based on factors that has had affect on drugaddicts in their decission on quitting their abuse. The questions we have built our report on are: What external factors have had an impact on the drugabuser to end his or her drugabuse? What internal factors have had an impact on the drugabuser to end his or her drugabuse? Does the police have an influence on the drugabuser to end his or her drugabuse? The report is based on intervjues with former drugaddicts. We have also studied the theory of symbolic interactionism and litterature written by different authors to obtain a broad picture of drugabuse. Our results in this report show that the people we have intervjued have been influenced by many different factors and people in their enviroment.

Denna undersökning omfattar kamerans inverkan på narrativet i visuella medium. Syftet är att få en insikt i hur kunskap om kameratekniker och ?vinklar påverkar hur åskådaren uppfattar vad regissören vill förmedla, och undvika att fokus sätts på element i filmscener som riskerar att förvirra åskådaren. För att undersöka detta problemområde har litteratur om filmhistoria och kamerateknik använts för att sammanfatta kunskap om hur kameran skall användas, för att förmedla relevant information och bygga upp den effekt som regissören strävar efter. Informationen utifrån detta har därefter tjänat som utgångspunkt för att skapa en kort animerad film med rymdtema där kameran eftersträvar att leverera en konkret visuell upplevelse där vinklar används för att understryka vad varje scen vill förmedla.