The retail banking market in Sweden is highly concentrated and oligopolistic. This has been confirmed by numerous reports from different competition authorities within the EU, for example the Swedish competition authority. A considerably high number of different sorts of competition barriers has been pointed out in these reports. The competition barriers are mainly directed to the smaller banks and the potential competition. The retail banking market in Sweden is dominated by four major banks, which together has over 80 percent of all market shares.

The main purpose of this essay is to study ideas concerning the concept of ?art? within the discourse of the exhibition space that is part of a fanart community. In order to do so I have used a hermeneutical and to some extent structuralistic, discourse analysis. I have examined structure and rhetorics in two established and popular communities, Fanart-Central and deviantART.My conclusions states that personal ideas regarding artistic value are undermined the joint policies, because of a collective rhetoric somewhat inherent in the community structure.When a lot of works are being based on internal knowledge of symbolics and historical narratives, this may to some extent have consequences where unfamiliar observers might fail to notice elements of possible significance. Moreover, certain interests in keeping a united front of ?quality art? may also affect a general idea immediate to what signifies fanart.

The aim of this essay is to examine whether democracy in St Petersburg isconsolidated or not. Since studies of democratic transition have been rarelyconducted on post-communist cities, this study seems fruitful. Using the Linz andStepan theory, where democracy is considered consolidated when it has become?the only game in town? and Orttung's three Criteria legitimacy, politicalpolarisation and policy effectiveness; this essay analyzes people's attitudes,political behaviour, the rule of law and civil society in St Petersburg. Theory isused to interpret the material mainly consisting of two interviews and newspaperarticles.

Phytoremediation is a technique using the ability of plants to absorb pollutants in their biomass from contaminated soils and remediate it. The plants are then harvested and the soil gets purified. This method is more environmental-friendly than the normally used methods for soil remediation. Glasriket in Småland is an area with large amount of pollutants including arsenic, cadmium and lead. This area must be cleaned from these metals because of the high threat to the environment ant the health of people who live here.

The northern province of Sweden has in both literature and film been depictured as something foreign and mythical, unlike the rest of the country. It has been my purpose to show in this essay that the systematic categorization of Norrland and its literature reveals multiple Criteria known to define the colonial era. By reading the novel Stallo by author Stefan Spjut with postcolonial structures in mind I aim to show how the author uses Swedish mythology and through the presence of The Other criticizes colonial structures in place to this day. By examining the gothic atmosphere I intend to indicate how the trolls in the novel figures as both a horror element as well as a representation of nature itself. It is my belief that the author by further reinforcing the mythological in relation to Norrland addresses the problem at hand.

This essay discusses and evaluates the international currency market in regards to efficiency. To prove the theory that, the difference between expected and actual exchange rates is explained by the difference in expected and actual interest rates and the difference in expected and actual inflation between countries, a model was developed. This model was inspired by the paper of Sebastian Edwards (1982), and is based on three theories; UIP, IS/LM and the Efficient Markets Hypothesis. The model uses 16 regressions estimated from three pairs of curriencies: $/SEK, £/SEK and ?/SEK.

I got interested in this subject when I came in contact with Västtrafiks new paymentsystem myself during my visits in Gothenburg. I suspected problems with the informationmaterial regarding it and others seemed to share my opinion that the payment system wasdiffcult to understand. When I contacted Västtrafik and asked them about the paymentsystem they confirmed that some understanding diffculties had occurred. With thatconfirmation I decided to make it my project to look in to the matter.Some methods were used to identify the problems. The methods could again confirm thatthere were some problems with the payment system and that the information material wasa vital reason.

This thesis is using the theory of participatory democracy to show how one can work to increase the participation in the society, between elections as well as during elections. For a couple of years now many traditional democratic countries have been struggling with low voting rates. Hence this, I find it interesting to study what has been done to cope with this problem. The government in Sweden had a project working on how to make more people involved in the democratic process, especially people that to a lesser extent participate in this process. In this thesis two projects will be studied, Möllevångsgruppen and Unga väljer Miljö i Malmö.

I chose to study how the Swedish Air force carries out their work with setting goals for their work to improve flight safety and compare this with how the Swedish nuclear power plant Forsmark performs their work with improving nuclear safety. The study showed that both organisations have a lot to improve on in their ways of how to work. Especially when it comes to engaging the employees in the process, both in letting the employees be a part of coming up with areas to work on and in letting the employees evaluate which progress that has been made. It also showed that both organisations need to improve their methods for evaluating the work that has been done. This is especially important for the Air Force which evaluates on many levels and locations and did not have a set standard for how to conduct the evaluation.

The purpose of the essay was to investigate the way four different educators, at a pre-school with a bilingual profile, work towards strengthening the children?s bilingualism as well as their identity. The research questions concern which guidelines are being used, the educators perceptions concerning children?s bi- and multilingualism and in what way they believe that their pre-school distinguishes itself from others.Qualitative individual interviews and observations were conducted and the empirical data was analyzed using a theoretical framework, constructed of theories concerning language development, ethnicity and identity.The result presented in the study shows that the pre-school not only follows the national curriculum but also their own guideline. The guideline states that there should be both Spanish- and Swedish speaking personnel and that they are ?responsible? for the education in their own language.

One of the big challenges for the European Union today lies in finding a common foreign policy for its 27 sovereign member states with their divided interests, experiences and traditions. New objectives set requirements on the Union to develop and intensify its military ability. The European Union´s view on when military force can be utilized sets concepts like sovereignty and intervention in focus. Can sovereignty be limited and if so can an intervention be justified? How did the Union argue regarding its participation in the intervention in Afghanistan, 2001? The Just War Theory gives the essay a normative framework against which to assess the Union´s view and guidelines for the use of military capabilities.

The purpose of this study is to examine two educational materials from different decades, to see if they have a conscious gender and equality perspective, and to see if they have followed the development society made regarding gender and equality. Even the curricula have a part in my study as I will relate them to the educational materials. Equality as a concept means briefly that women and men should have the same conditions, and gender depicts our notions of femininity and masculinity.I have chosen to do textual analyses, focusing on multimodal discourse because I analyze both text and image. I also use both quantitative and qualitative methods.My questions are: In which way do the curricula and the educational materials express equality?; In which way do the curricula and the educational materials express gender?; Do the educational materials express the fundamental values written about equality and gender in the curricula? And, if this is the case, does it mean that educational materials have followed the development of the Swedish society?The conclusion of this work is that equality and gender are presented as goals in both curricula, but the new curricula have developed that section more.

Denna studie syftar till att ta reda på vilka element som höjer det innovativa klimatet i företag och organisationer. Utifrån dessa element har författarna skapat kriterier som heter ?Soft innovation?. Visionen är att framtiden skulle kunna standardisera dessa kriterier. En abduktiv metod har använts.

The purpose of this study is to understand how the school manages to question norms, and in doing so might prevent its students from being subjected to discrimination and other degrading treatment. This has been done with a focus on how gender related norms are represented, reproduced and questioned in children?s fictional literature. Two methods have been used; a survey and an literary analysis. The survey was conducted on primary school teachers with the intent to collect information related to their thoughts when choosing books to use in their classrooms, and also to source commonly used fiction.

The aim of the study is to investigate how clinicians in psychiatric care for adults consider borderline personality disorder to be manifested in men and women, respectively. Could there be a tendency to over-diagnose women and under-diagnose men? In addition, the purpose of the study is to bring clarity to the reasons for gender differences within borderline personality as perceived by the clinicians. The study is based on an inductive approach, in which interviews have been conducted with twelve clinicians working with borderline personality disorders to gain a deeper understanding of how the clinicians consider the manifestations of gender differences.The clinicians described tendencies for women to deliberate self-harm, have mood swings and problems in relations. Men with borderline personality disorders are described as having a higher degree of e.g.