Managing credit risk might be the single most important business area for any commercial bank. The assessment of "good" and "bad" corporate clients is a important task for a creditor. A bad debtor is a corporate client with hardships in meeting the continous claims (interest payments) that a creditor requires. One way of evaluating or separating a "bad" client from a "good" client is to assess the propensity for the client to file for bankruptcy. This thesis examines 226 firms in the Swedsh market in the quest of predicting corporate bankruptcy.

This Masters thesis work describes a comparison between two different methods for estimation of the down channel (base station to mobile subscriber) in Wide-band Code Division Multiple Access (WCDMA). The first estimation method, Optimal Feed-forward Channel Estimation (OFCE), is a conventional method that bases the estimates on data that is known to both sender and receiver, so called pilots. The second method, Decision Directed Channel Estimation (DDCE), is an elaboration of OFCE. It also uses user data for estimation. Simulations show that DDCE, in comparison to OFCE, does not attain an improvement in signal-to-noise-ratio (SNR) for high bit error rates (BER).

This thesis deals with the concept of how price affects demand for a good by estimating various price elasticities of demand for snu sold in Sweden. Information was gathered on price development for snus and cigarettes as well as sales data from Swedish Match, the largest supplier of snus in Sweden. Income-, price- and cross-price elasticities were estimated based on log-log regression. Results show that snus is an inelastic good since the coefficient for price of snus was -0.536. This proved that a 1% increase in price causes a 0.536% decrease in quantity demanded.

Background: Infection with Human Papillomavirus, HPV, is one of the world's most common sexual transmitted infections. The virus causes genital warts (condyloma) but certain virus types can cause cancer. The most common cancer type caused by the virus is cancer of the cervix. Nowadays there is a screening program for women between 23 and 60 years of age where Pap smears of the cervix is taken to discover abnormalities at an early stage. Cervical cancer is very common all over the world and this screening program saves many lives, but not in the less developed countries since the screening program is too expensive.

Aortic insufficiency is a very common valve problem in horses and most often affects older individuals, but nevertheless existent within younger ones. The root cause for aortic insufficiency can be varied, for example; endocarditis, ventricular septum defect or congenital valve disease but the most common are progressive valve degeneration or elite competition. Depending on the root cause, different changes can be observed on the aorta valves, but they do all have the same effect, the valves do not seal properly and blood leaks backwards. Many horses can, even with this deficiency, perform highly without any visible impacts and there is therefore no need to treat those subjects. Most often the symptoms arise at a later stage in life and they are, more often than none, put down for other reasons. In the occurrence of the clinical symptoms showing, treatment guideline is to inhibit these symptoms since the valve degeneration is presently irreversible.

SammanfattningI utvecklingen av den encylindriga forsknings-diselmotorn Hatz 1H30 på TechnischeUniversität München har tidigare en ottoinsprutare använts i kombination med ettcommon rail-system som en temporär lösning. Ett common rail-system ger möjlighetenatt separera regleringen av insprutningen från de mekaniska komponenterna av motorn.En common rail-insprutare gör det möjligt att göra flera insprut varje arbetscykel ochtillhandahåller möjligheten att elektroniskt variera timingen av insprutningen.Efter att en marknadsundersökning har gjorts bland huvudtillverkarna av injektorerinköptes en Bosch CRI2 injektor från en BMW M47N-motor. Det förra cylinderhuvudetvar anpassat för en ottoinjektor och var därför tvunget att designas om. En konstruktiongjordes för att fästa injektorn och för att försluta förbränningskammaren.För att styra injektorn behövs ett flertal signaler för att utvärdera vevaxelpositionen ochbetämma insprutstimingen. Behandlingen av dessa signaler och mjukvaran för styrningvar först testade med en AFT PROtroniC motorstyrenhet för sig själv i en provrigg meden signalgenerator.

Equine cutaneous melanomas arise much more often in horses with a grey coat color than in horses of other colors. Some scientists have in different studies come to the conclusion that the melanomas are neoplasms which can be classified by examining their histological and macroscopic features. The more defined and demarcated a tumor is, the more benign it tends to be. Other scientists believe that the skin lesions are the result of a pigmentation disorder that is linked to the greying of the coat color. According to this theory, the lesions are not malignant although they have the ability to metastasize.

A successful acquisition is based upon good preparations before the integration process..

There exists a great need among companies and other organizations to be able to visualize statistics. It?s also increasingly common to ask for web-based solutions for increased flexibility and accessibility for users. This paper describes how large amounts of geovisual data, for a large number of regions, can be visualized in an interactive and well-presented manner. The paper let?s you walk through two application scenarios, developed in a Flash environment, using the GeoViz component library for visualization. The first application has been developed for Statistics Sweden (SCB), to give a solution on how to visualize statistics for Sweden?s zip code regions.

Background: Studies have shown that 66 children and teenagers in Sweden suffers from brain tumor every year. Children and teenagers who can´t participate in the regular school for a longer time for whatever reason, have by the school law the right to education in hospitals or institutions. Education that take place in other places than school most try to follow the same guidelines as his/hers usual school.  This applies to students in elementary school, compulsory school, special school, Sami school, secondary school and upper secondary school.Purpose:  The purpose of this study was to find out how three teachers at a hospital school plans their work with children in grade from 1 to 3, who suffer from cancer, especially brain tumor.  How can the teachers at the hospital school plan and organize their teaching so that it´s possible for the children whit brain tumor to feel as normal as possible. How does the common work between the consultant nurse, teachers at the hospitals and their ordinary school prevent the children to feel like an outsider?Method: I have chosen to do a qualitative study followed by three interviews whit three informants who works at a hospital school.

The technological legacy from the early electrification of the Swedish railroads has resulted in a power grid with a lower grid frequency than the national power grid from which it is fed. Energy transfer between these power grids with different frequencies requires substations, adapting the grid frequency for the rail road power grid. For this purpose, a feeding power grid has been built, stretching across the country from Boden in the north to Tälle/Häggvik in the south.Power transfer in the Swedish power grid results in voltage angle differences which increase with increasing loads and transfer distance. These voltage angle differences are transferred from the power feeding substations to the rail road power grid, will in some extent cause loss of energy due to unwanted power flows from north to south.To minimize the losses due to this phenomenon, a power management system called EFS 132 kV has been developed and implemented. The system minimizes the unwanted power flows and controls the desired power flow for a good distribution of loads between the power feeding substations.This thesis investigates the extent of the transmission losses avoided due to the EFS 132 kV that coordinates the idling angles to a common reference point.The results indicate that EFS 132 kV affects the power flow, especially between the northern substations through an improved load distribution.

The purpose of this paper is to investigate how social workers, working in a management position in the health care system, perceive the encounter of the medical and social perspective. With seven qualitative interviews, the study tries to conclude whether or not social workers are accepted at managerial positions within the health care sector. The social worker is, as a manager in health care, a leader but at the same time in a professional alienation from the medical caregivers. Organizations in the health care sector are often multi professional and have their own long standing tradition, history and culture. The results show that the conditions for social workers, working in a management position in health care appear to be agreeable.

Deep litter is a system for animals kept in separate stalls, loafing and bedding in wind shelters. The litter can consist of different bedding, like straw and peat. The system is allowed to build over and to ensure optimal proportions it is necessary to add new straw regularly and to have good conditions. Important conditions are aerobic state, humidity, amount of organic substance and acceptable temperatures in the litter. The micro organisms are depending on temperature for their living conditions and to get the bottom layer in the litter to start burning.

Today?s society is very focused around technology and something that is very popular is the usage of mobile devices such as Smartphones or Tablet computers. One of the reasons why these devices are so popular, is because of the large amounts of services or ?apps? that they can provide for the user. They can do a lot of things that makes everyday living easier for the users.The focus of this study is to find out what kinds of mobile services the users of these devices are expecting and/or wishes to see in the future and what is required to be able to develop and use these services in a good way.We started of the study by searching for earlier studies on the same or similar subjects.

Dairy farming in Uganda provides a source of food, employment and income. Previous studies have revealed high frequencies of bovine mastitis, a costly disease for the dairy farmer. The aims of this study were to investigate the bacteriological panorama in milk from udder quarters with clinical (CM) and subclinical mastitis (SCM) and to determine the antimicrobial susceptibility in staphylococcal isolates. Further, we intended to establish the prevalence of subclinical mastitis and to investigate some environmental factors and animal properties that might influence the frequency of mastitis. For CM, farmers made contact with the members of this study when recognizing an animal with CM.