Background: The regulation of banks is increasing in order to stabilize the financial market. Despite this increase in regulation, financial crises still continue to occur. The Basel Committee on Banking Supervision is gradually increasing the capital requirements for banks, yet the increase in capital requirements doesn?t seem to solve the problem. This raises the question: how does capital regulation affect banks? Purpose: The purpose of this study is, primarily to illustrate the effects that capital regulation has on risk and efficiency on banks within the European Union, but secondary also study the relationship between risk, efficiency and capital regulation.Method: To achieve the purpose of this study, a deductive approach has been used, where the problem is assumed to be due to an agency problem.

The aim of this study was to categorize and analyze articles in health magazines, how health messages about health is being described. Using a qualitative content analysis the researcher answered the aim by three research questions: What kind of health messages about health factors do the magazines describe? Do the health magazines talk about risk factors for unhealthy behavior? What kind of commercial messages do the magazines provide? The result from the content analysis showed that health magazines presented social support, self-esteem, acceptance, equality and strategies as health factors. They tried to change readers? perceptions to get a healthy lifestyle.

The unheated greenhouse was originally a development from orangeries in the 1700th century and in 1930 and 1940 in blocks of greenhouses in the province of Scania. Today unheated greenhouses are used in permaculture, in the?eco villages? and in commercial culturing. Of the total Swedish commercial greenhouse area is today 8 % used as unheated greenhouses (SJV). This essay is based on the acceptance that unheated greenhouses will have a renaissance as production units. In the light of the today?s debate about energy ? and environment and the condition concerning this, the unheated greenhouse becomes an alternative. The purpose of this essay is to make an arguing synopsis about unheated greenhouses for using in acting as teacher, consultant and inspirer and also for taking part of the acceptance as ?for? or ?against?. The information is based on literature studies and information gathered with the keywords unheated greenhouse, coolhouse, coldhouse, greenhouse, type of greenhouse, orangery, greenhouse cultur, swedish greenhouse culture and permaculture, data gathering through SCB/SJV and by interviews with persons in the garden branch. My conclusion is that the unheated greenhouse could have a renaissance as a production unit. In this context it is important to give cultivators of greenhouses with experiences of unheated greenhouses great possibilities to share their knowledge, and through education possibility to change attitudes concerning unheated greenhouses. .

Purpose/aim: The purpose is to get increased knowledge about how the communication had developed from the first contact online to the first meeting in real life and even after when it had turned into a real relationship. I also wanted to know why the eight women I interviewed experienced that the Internet is a good venue to meet and develop a real relationship at and if there existed any differences between those four women who were a bit older and those four women who were young.Material/method: When the purpose with this survey stood clear I decided to use interviews as the method to find out more about my subject. I decided to do eight interviews and I contacted eight women who all found their partners online that were willing to help me and answer my interview questions. I did six of the total eight interviews through MSN Messenger and the other two through the telephone.Main results: I found out that three of the older women had used e-mail and telephone and sometimes SMS communication to find out more about their soon to be partner and after that decided to meet the other person in real life. One of the older women and all four of the younger ones had used a Community and Instant Messenger to communicate with their soon to be partner, they also used the telephone and SMS to communicate with each other but Instant Messenger was the medium that dominated in their wish to communicate.

When referring to the same event, people can have different assumptions. What is interesting to see is why these assumptions are different, why do people have different stories? Some of the reasons could be different levels of expectation, different communication channels or even different cultural backgrounds. We have analysed all these by having a case study within a company that has recently gone through a change management/strategy implementation process.The research reviewed in this paper originates in two different worlds. One world is a research world where stories come from textbooks and articles.

The use of history is the concept of people using and analyzing history in the society for various purposes. Study in this area has largely emerged because there are many different reasons for people and societies to be interested in history. To investigate the use of history, a historical material needs to be present in some form. With this study, I intend to show how older tourist guidebooks can provide such materials of study and therefore I use travel guidebooks about Tallinn released under the USSR (Estonian SSR) between the years 1960 to 1990. The analysis is based on Klas-Go?ran Karlsson's (Professor of History) typology of seven different uses of history: scientific, existential, moral, ideological, political, educational, non-use of history and a commercial use of history.

Real estate is defined as ground, which is divided into property. Ground means every part of the surface, which is situated within the country. There is no legal definition of property to be found. Property is usually explained as every unit, which legally should be registered in the register of landed properties. To constitute a property the property must permanently be suited for its purpose.

This essay in Art History treats the former Central Post Office in Gothenburg, Sweden, and its recent transformation into a luxury hotel. The magnificent original building in neo-classical style, inaugurated in 1925, has been supplemented by a twelve stories high tower in postmodern style containing hotel rooms and suites, creating a complex architecture. The approach of this essay is that of ?lived architecture?, that is, how people experience and act in relation to the building. It is argued that the history of the building is rewritten in the marketing of the hotel and the management?s concept of creating a comfortable ?mini-world?for its guests.

ABSTRACTTitle: Annoying television advertising - What is it about television (TV) commercials that are perceived as annoying and how does it affect the viewer?s purchasing behavior?Level: Final assignment for Bachelor Degree in Business AdministrationAuthors: Benny Berggren and Sofie ErenlöfSupervisor: Jonas KågströmDate: 2012 ? May Aim:Advertising can be found in many shapes and forms such as on: billboards, radio stations, public transport and of course on television. The last form of advertising is possibly one of the most effective and widely used methods of advertising due to the wide percentage of households with a TV in this technological age. One of the problems TV viewers have to face is the wide variety of TV advertisements which are repetitive and can be seen on numerous occasions throughout the day. This is only one of many factors that may cause irritation to the viewer if being executed wrong.

This paper examines the impact of the congruence between the background music and the brand image on the customer behaviour in retail store. The essay's hypotheses are built after the famous S-O-R-model that unveils if congruence background music affects the customers' emotions, brand image and response. The aim of the study is mainly to answer if the congruent background music stimuli in the retail store environment will affect the customer's emotions and if it will increase spent time and money. The congruent background music has been selected through two pre-studies based on consumers' brand image. A quantitative study has been conducted where triangulation was applied in a real store environment, where in total 201 surveys was collected for the main study.

In recent decades, demands has emerged that the companies shall take a greater social responsibility for the impact that they have on their environment and that this impact shall be reported, which is known as Sustainability Reporting. The Sustainability Report is based on a number of general principles that ensure the content and the quality of the Sustainability Report. One of these principles is the principle of completeness. In the research, this principle seems to have been interpreted in terms of number of reported aspects and indicators, which can be a limited view where only the existence of the aspects and indicators is observed. By including the degree of the reporting in terms of full, partial and no reporting as well as a comparison between the real and the alleged reporting, our intention is to extend the principle of completeness and to develop a tool that we also apply through an empirical survey in a particular area.

Purpose: The purpose of this thesis is to examine whether some periods of declines in Swedish real credit can be explained by a credit crunch. Is it further possible, with these results, to do any conclusions about the banks behaviour in the on going financial crisis that has shadowed the country since 2007/2008? Method: A credit crunch is here defined as a period of supply-side restrictions on loans which doesn?t reflect the ongoing interest rates. By estimating a supply and demand function with a disequilibrium model the excess demand- and supply for credit due to different periods can be calculated. Conclusion: A credit crunch has been present during a period after the banking crisis of early 1990?s.

?Halmstads Fastighets AB? is a local real estate company investing in sustainable development. One problem though is that the domestic waste, particularly the source separation, at the three resident blocks for students? isn´t working very well. This creates inconveniences for people and environment as well as decreasing the impression on the estates.This project has had the ambition to improve the domestic waste and increase the amount of source separation at HFAB´s student hostels.

This Master Thesis within Marketing and Strategy investigates the values customers perceive within the Real Estate market in the inner City of Stockholm. The dependent variable is customer satisfaction, and it could be explained by 1) the feeling of light and uniqueness of the apartment, 2) that the apartment is of a satisfying size, 3) the address of the apartment, 4) and the economics, the common areas of the building, and the bidding process. The feeling of light and uniqueness, combined with the number of square meters, and the monthly fee of the apartment, are also identified as the price driven functions of this market. A quantitative method is used to investigate the market, where 107 apartment buyers completed a survey..

The aim with this report is to investigate what influence the way playgrounds are used throw the case study in Vänersborg, and also to find methods for municipalities to collect information about how playgrounds are used. The methods were observations, interviews with parents and children, a questionary with questions about what playgrounds they used, how often and why they used them and what the children used to do there. There was also a demographic investigation and documentary research. The most popular playground, Skräcklan, gets visitors from all parts of the municipality. It is located in a park with a view over the lake Vänern, there is a parking place and a café and it has furthermore a large area and many play equipments. Many of the families make shorter trips and picnics to this place. In exception of this playground, the families almost always go to the playground in their neighborhood and their part of the town.