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.

Hydrotherapy is a relatively new area when it comes to treatment and prevention of different problems in dogs, but an area that is growing in popularity. In Sweden, the person who performs hydrotherapy on dogs doesn?t need veterinary education, which is the case in some other countries. What makes hydrotherapy advantageous is that water has an ability to provide an environment where injured body parts can be supported, which means that rehabilitation can start early without the risk of affecting the injury and in the same time relieve the pain for the patient. There are only a few studies of hydrotherapy on dogs and these studies focus on the physical health of the dog.

Every plan and program decided on by an authority or municipality, where the environmental impact can be considerable, must be environmentally assessed according to Environmental Code, the Planning and Building Act (PBA) and the Regulation on Environmental Impact Assessment.The purpose of this study is to examine the Environmental Impact Assessment (EIA) for The Region Development Plan for the Stockholm Region, RUFS 2010. The plan was approved by at that time the Regional Planning Office (Regionplanekontoret), which procured the process by consultants. RUFS 2010 includes two merged plans ie. a regional Development Plan (RUP) and the Regional Spatial Plan for Stockholm. It was necessary to establish an environmental assessment of RUP, but not for the regional plan.

AbstractEssay in Political Science, D-level, spring 2010. ?Do the American mass media serve foreign policy interests? ? A scrutiny of two American newspapers? coverage of the coup d?état in Honduras in the summer of 2009?, Author: David Scott. Tutor: Anders Broman The bias of the American mass media has been widely discussed among scholars. Not only has this phenomenon caught the attention of political scientists, but also academics from other scientific fields.

This masters degree was a study of some social workers in Gothenburg Community and their expectations of leaders in general, their opinions of work and the leaders influence. The city of Gothenburg will within a few years recruit about 500 leaders. Depending on large pensions among leaders. It is important to have knowledge of the social workers expectations of leaders, their opinions of work and the leaders influence. It is also interesting to see if different generations have similarities or if they have different opinions.

Personal branding har blivit ett allt vanligare fenomen och uttryck. Det sägs ha sittursprung i uppfattningen att alla innehar förmågan att bli sitt eget varumärke. Eftersomfenomenet är relativt nytt så finns det dock inte mycket forskning kring ämnet. De studiersom finns fokuserar på ämnets uppkomst samt spridning från nöjesbranschen till idag, dådet kommit att bli relevant för gemene man. Den definition av personal branding somuppsatsen använder följer i nedanstående citat.?Let?s think of branding more in line with bringing forth self-knowledge and selfexpressionthan the creation of a cultivated or false self.

Virtualisering av datorer rent generellt innebär att man delar upp hela eller delar av enmaskinkonfiguration i flera exekveringsmiljöer. Det är inte bara datorn i sig som kanvirtualiseras utan även delar av det, såsom minnen, lagring och nätverk. Virtualiseringanvänds ofta för att kunna nyttja systemets resurser mer effektivt. En hypervisorfungerar som ett lager mellan operativsystemet och den underliggande hårdvaran. Meden hypervisor har virtuella maskiner sitt egna operativsystems kärna.

Denna uppsats handlar om musik och rörelse skulle kunna vara en alternativ vägledningsmetod vid studievägledning för ungdomar med diagnosen ADHD/DAMP. Uppsatsskrivarnas huvudsyfte var att undersöka om musik och rörelse skulle kunna användas inom vägledning för att ge dessa ungdomar större möjligheter till ett mer kvalitativt underbyggt val till vidare studier. Undersökningen bygger på kvalitativa metoder genom intervjuer med studievägledare inom grundskola samt en aktiv studievägledare (verksam med ADHD-elever). Vi har också intervjuat en Tomatis terapeut (En metod som tränar hjärnan att prioritera, sortera och hantera sinnesintryck bättre) samt en användare av metoden. Resultaten vi kom fram till var att Tomatismetoden resulterade i stora förbättringar gällande koncentration och uppmärksamhet, samt att kvarvarande effekter bestod i minst sex månader.

The use of bio energy in Sweden has increased during the last few years and with every passing year, bio energy produces 3-4 TWh´s more energy than the previous year. The increase in the use of bio energy makes it an interesting prospect for forest companies to produce bio energy from the forest. Sveaskog has a fairly extensive bio energy programme, mainly in southern and middle Sweden. Their activity regarding bio energy in northern Sweden has been very restrictive or even non-existent. Because of this, during the winter of 2003-2004, Sveaskog initiated a number of degree projects with the purpose of looking at the use of bio energy in northern Sweden.

Under litteraturstudierna fick författarna en uppfattning om att järnvägsbranschen är präglad av en hel del problematik som visat sig i ett flertal brister. Flera större omorganiseringar hade skapat en bransch med otydliga ansvarsgränser och otydliga roller med en mängd utdragna rättsliga tvister mellan beställare och entreprenörer som följd. Stämningen beskrevs som dyster och kompromisser mellan järnvägsaktörer förekom inte i den mån som behövdes, utan aktörerna tänkte mest på sin egen verksamhet. En ändring behövdes.Rapporten är begränsad till tre nyckelaktörer med koppling till järnvägsunderhåll: beställare, entreprenör och trafikutövare. Fokus har lagts på det alltför förekommande avhjälpande underhållet, som visar sig i form av trafikstörningar och trafikstopp.

The student project Elba at KTH started in 2011 and is a project where a battery driven prototype car is developed. The vehicle competes in Eco Shell Marathon in Rotterdam, Holland. In this competition the vehicle that travels a certain distance including several starts and stops with the lowest energy consumption wins. To minimize the consumption is therefore very important, which requires knowledge of the vehicles energy losses.A vehicle's energy losses depends on several factors and can be divided into the powertrain efficiency and the driving resistance. The driving resistance can then be divided in to rolling and air resistance, if smaller losses like vibrations are ignored.

ABSTRACT Title:                         Lucrative dealsHow service offers and its Clients is forms by Optional Framing                 Level:                       Bachelor, Business AdministrationAuthor:                     Gabriel Krogius, Mikaela SörensenSupervisor:              Jonas Kågström, department of economicsDate:                         2013, AugustIntroduction:           That the human mind may be directed by how an offer is designed is not news. However, what is new in the following thesis is whether a person is affected in the case of a service rather than, as previously research, a physical product. Does a person find it harder to separate with something rather than to add an option?Aim:                          The aim for this thesis is to examine how Optional Framing has affection on service offerings/companies, and in this case on real estate brokerage services. Is it, as earlier, when the human can form her own offer, the final price ends up higher when she is about to add options than removing them?Method:                    The thesis emanates to achieve earlier results where the difference in this case is that our thesis is targeting service offerings.

The primary purpose of this essay is to study and describe how the concept of ?ethnicity? is introduced, defined and constructed at the Universities of Social Work Education through the perspectives of students attending and teachers/researchers currently employed at the University of Gothenburg. Also, this study attempts to describe what differences there are between the two groups and how these are expressed. The theoretical perspectives which we have used to analyse the empirical data are social constructivism and postcolonial theories. We have applied a qualitative method based on four interviews with teachers/researchers and two focus group interviews with 14 students.

Background: In newspaper articles, we can nowadays read headlines as"Stop the robbing!"and"They pay extra tax through rent". A column in Göteborgsposten describes enormous amounts of money, pouring between municipal companies. Numerous of local newspapers have started to pay attention to their municipal companies and the transfer of profits from municipal housing enterprises and electric power companies. What are upsetting these journalists then? Both Hyresgästföreningen (The Swedish tenants? association) and Boverket (The Swedish National Housing Board) indicate that the fiscal purpose of transactions within the group no longer is primary for municipalities.

When single-family lots are valued for development of new residential areas,the valuation is influenced by several factors. The valuation is a matter ofdefinition that varies according to its interpreter. Previous research conductedin other countries, has identified a number of value-influencing factors. Thesefactors are the basis for this study.The study's purpose is to highlight the value-influencing factors thatcustomers value and are looking for in the choice of single-family lots. Thestudy also seeks to determine if there is an unknown difference between howprofessionals and Clients value single-family lots.The study showed that the value factors considered important for customersand also professionals are consistent and applicable with the factors reportedfrom previous research.