The recent history knows numerous examples of creditor?s inability to evaluate financial solvency of the client correctly. Creditors? risks do not only concern individual relations between the two parties but the economy in general. The standard loan-giving procedure considers evaluation based on a number of financial ratios.

Swedish forests are dominated by just two conifer species Norway spruce and Scotch pine. They are not able to achieve the highest possible production or fulfill industry demands for raw materials. The introduction of exotic conifers can potentially meet these shortcomings and present a relevant solution. This study was conducted in a block experiment with ten blocks planted in 1987 by SCA in North Sweden. The objective of the block experiment was to study if Black spruce is an appropriate alternative to Lodgepole pine, Norway spruce and Scotch pine on different site classes.

Companies use different forms of representation to promote business negotiations. The regulations for the right to deduction for the cost of representation are stated in Chapter 16 section 2 of the Swedish Income Tax Act (IL). According to the law there must be an im-mediate connection between the expenditure and the business practice and the claimed de-duction must be reasonable. The Swedish tax authority publishes general recommendations regarding representation which are used as guidelines for the tax payer to follow. The gen-eral provision about tax deduction can be found in Chapter 16 section 1 of the Swedish In-come Tax Act (IL), stating that expenses to acquire or retain income shall be deductible.

Our aim in this work has been to redesign ModernFamilies and make a user-friendly interface for people with aphasia. The focus has been to identify general issues they might face while using different technology and applications, in order to find better alternative design for ModernFamilies, with a focus on usability. To approach this issue, we used a qualitative method. Our study includes several interviews and observations preformed in conjunction with the AGNES project (AGeing in a NEtworked Society) and speech therapists. Aphasia requires simple design that in the same time gives them support to understand and use technology and different applications.

Research shows that almost 30 per cent men and 20 per cent women at the age of 16-24 in Sweden download music on a regular basis instead of buying records. Thanks to modern technologies teenagers of today have become used to downloading music illegally from theInternet. Even though legal alternatives, such as Spotify, have become popular, the behavior of illegal download of music still persists. What do record companies do to prevent this phenomenon and why do they go to such length to stop this widespread movement? The question is, why is illegal download of music a problem ? and for whom? To investigate this I?ve read books about the subject, analyzed web pages of alternative record companies and interviewed a drummer in a local band.

In this thesis, the impact of collective ratings on customers? perception of a product is examined. The empirical data comes from an experimentally designed survey where the effect of collective ratings is measured in the setting of a traditional advertisement for a feature film. In contrast to what previous research would suggest be to the expected outcome, the authors of this paper concludes that in comparison with alternative designs of advertisements, there are no measurable advantages of including collective ratings in advertisements from the marketers point of view. We find two explanations to the result: (1) people tend to self-report that they are more influenced by collective ratings than they actually are, and (2) the advertisement which lacked a rating could be as attractive due to cultural interpretations of white spaces..

The thesis deals with three document retrieval models based on logic: the Boolean model,the fuzzy model and the Van Rijsbergen model.In Chapter 1, the author presents the purpose of the thesis. This is to give the logical foundationof the models, to describe them and to examine them critically. In Chapter 2, some importantnotions in document retrieval are presented. Chapter 3 is devoted to the Boolean model, Chapter4 to the fuzzy model and Chapter 5 to the Van Rijsbergen model.These three chapters are organized in the same way. First, the logical foundation of the modelis given.

This essay is focused on the marketing phenomenon buzz marketing. Buzz marketing is all about making the consumers to talk about your product. In the world we are living in with all the marketing messages, companies tries to find new ways to reach the consumers with their marketing message. The essay consists of 6 interviews with a low level of structure and standardisation. The material from these interviews has been analyzed with the help from the theories of buzz marketing, word of mouth, marketing communication, consumer behaviour, relationship marketing, one-to-one marketing and marketing ethics.

Abstract This essay is about girls that have chosen a gender atypical education on a gymnasia level. Since we are living in a society that is still today gender segregated in both working life as well as educational area, we find it interesting that it still exist an paradox which leads us to the question ?why? those girls and boys, woman and man choose so differently. We are not aiming towards study how many girls that have chosen a gender atypical education but rather how these girls that are on the construction program in one of Stockholm?s gymnasium have deliberated and what it is that has influenced them.

Asthma is one of the most common diseases among children. The aim of this study was, through a literature review, describing children's experience of living with asthma and show how negative experiences can be turned into positive ones, by the nurse's work. Results showed that many of the children with asthma experienced respiratory- and chestproblems, tiredness, panic, fear, anger, frustration, discomfort, irritation and anxiety. Children felt most restricted in physical activity's. Education used to enhance children's experiences included relaxation, imaginary exercises and confidence training.

The aim of this study was to deepen the knowledge about the meaning of being internationally adopted for individuals living in Sweden. Through group discussions with young adults data was retrieved, and then analysed with a qualitative phenomenological approach. The study revealed three main themes: 1) experiences of being Swedish, 2) experiences of ethnic origin, and 3) the interaction between the two aspects of the identity, how the internationally adopted individual integrate's his/her ethnical origin with his/her Swedish identity. With regards to previous studies about adoption and psychological theories the meaning of being internationally adopted in Sweden is discussed..

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.

VAV (Variable Air Volume) system has been studied in a newly constructed office-building. The goal for the study has been to evaluate how the ventilations system work in practice, if adjustments can be made to achieve an more energy efficient system and to evaluate if other alternative ventilation systems is to be preferred in the further.The degree project has been executed at Helenius Engineering Firm who is working with the environment, media systems, HVAC and energy in buildings. The building that has been studied is owned and operated by Akademiska hus.Literature studies, visits at site, inventory, review of system documentation, energy analyses, interviews, key figures, LCC, sand energy- and indoor climate simulations has been made to study the building. Where appropriate some tools from Six Sigma have also been used.How to achieve an energy efficient system and a pleasant indoor climate is studied with human health and well-being as base for the indoor climate requirements. Technical support systems such as ventilation systems have to be designed so that an acceptable indoor climate can be achieved.

My aim in this case study has been to create a method for creature design to test this method in a production and evaluate the results. To achieve this I studied and analyzed the methods of three concept artists and illustrators named James Gurney, Neville Page and Iain McCaig. From the analysis of these artist´s methods, combined with my own personal experience, a new method was formed. To test this method a creature was designed based on directives given by a game design group in the process of creating a table top role playing game in a fictitious world. These directives where given for the creature´s role and its living conditions.

The Yangtze finless porpoise (Neophocaena phocaenoides asiaorientalis), is a small freshwater cetacean which has recently fallen dramatically in number. It is an endemic species for the Yangtze River and unless drastic action is taken, it risks the same fate as the now functionally extinct Yangtze river dolphin (Lipotes vexillifer). Threats to the porpoise are diverse but they have in common that they are caused by man. Development of the river has been made to supply a growing human population with food, hydropower, and to reduce the risk of flooding. These changes have resulted in a degraded habitat for the porpoise.