Asset management in insurance companies differs from conventional asset management to the extent that respect has to be taken to both assets and the commitments the insurance company has towards its customers. A model that has proven to fit well regarding the matching of assets and liabilities is the Asset Liability Management Model (ALM model). In addition to the matching in the balance sheet, the ALM model can be used in a company's work with strategic portfolio allocation by applying it as a basis for analyzing investment strategies with expected risk and return. From this, the ALM model also becomes relevant for calculating key figures according to the legal framework Solvens II which includes laws and regulations regarding the demands on economical strength (solvens) of insurance companies.Hence, the goal of this masters thesis has been to, on behalf of Bliwa Livförsäkring, create an ALM model to support the asset management department of Bliwa in their work with defining a credible way of analyzing the future risk and return of Bliwa's asset portfolio and insurance undertakings.The ALM model generally consist of four submodels, the scenario model, the liability model, the asset model and the company model, where the scenario model often is named as the core of the ALM model. The course of action has been to develop these submodels individually, with focus on the scenario model.

I mitt arbete undersöker jag tre personers upplevelse av vad rytmik och musikterapi är. Jag bad dem också jämföra rytmik och musikterapi för att hitta likheter och skillnader. Jag har läst om Émile Jaques-Dalcroze, som anses vara rytmikens grundare. Jag drar också paralleller till Howard Gardner och John Dewey. För att få en djupare förståelse av vad musikterapi är har jag läst bland annat Even Ruuds ?Varma ögonblick?, och Anita Granbergs ?Tre svenska utbildningar i musikterapi?.

60 million years ago the horse was the size of a small dog, and walked on four toes. Today it can weigh up to 500-1000 kg and has evolved to walking on only one phalanx. The anatomy of the horses? legs and hooves allow them to run at high speeds, and at the same time enables them to bear the extremely high concussions applied to the foot at high speeds or jumps. Every horse owner has his or her own opinion on how to manage their horses? hooves, and whether the horse should be shod or unshod. The knowledge, commitment and attention of the owner determine the quality of the hoof care, but also the time between the arising of symptoms of abnormalities of the hoof until care is sought with a farrier or veterinarian. New laws will be applied at the beginning of 2015 which bring on changes in authorization for farriers.

The purpose of this thesis was to study the functions that music have in relation to the formation of identity, and research how this fits into the music subject in the school environment in Sweden. My questions were; (1) what role does music has in the formation of identity? (2) how does gender stereotyped musical identities take form? (3) what is the problems or risks with music education in relation to formation of identity? (4) how does the curriculum for the Swedish school relate to the functions that music have in relation to the formation of identity? I have done an analysis on three writers who focuses on theories about music in relation to the development of identity, to give perspective to the individual?s music reality. The first one is the Swedish musicology professor Börje Stålhammar, the second one is the Norwegian music therapist and professor Even Ruud, and the third one is the Brittish music senior master Nicola Dibben. I have compare their thoughts and found a great unanimity in many aspects.

The increased interest in relationship marketing and the potential of the Internet as a platform for relationship building activities have given rise to new ways for companies to interact with their customers, such as services based on a freemium pricing model. Based on the premise that relationships are processes consisting of interactive moments of value-creating activities, value is considered subjective, relative and dependent on the context in which the activity takes place. Value is therefore variable given its context and cannot be pre-defined without nuances being lost. Despite the Internet's given role in societal development, our understanding of what contributes to customers' intentions to build relationships with online services is yet to mature.As the music industry is well established on the Internet, alongside the change in how music is consumed, it is thus appropriate to examine activities in accordance with a freemium based service that distributes music online, since it still lacks in academic understanding.This study aims to provide insights about virtual relations and how online services that provide cultural content should relate to there users as well as contributing to the ongoing academic discussion regarding value and how it is manifested by highlighting contextual impact on relational activities. For a rapprochement of relations to online services in cultural industries, this study assumed a practice perspective.

Scania CV is one of the world's largest truck manufacturer. It is not only the directproduction of vehicles and methods that are important for Scania but also the servicemarket handling spare parts, repairs and workshops. The department Vehicle ServiceInformation construct standard times through work measurement for particularworks in the workshops. The software application STAM is used in the servicemarket to create and store standard times which then are exported to theworkshops' own systems.The purpose of this master thesis is to analyse and evaluate the internal workmeasurement system that includes standard times and the software STAM. Also,based on external analysis and benchmarking of other systems suggest appropriatefuture development within the area for Scania Vehicle Service Information.In order to perform the investigation, interviews and studies have been doneinternally at the departments that are involved in work measurement as well asexternally at Scania workshops.

In this study we examine how the image of women, through framing and stereotyping in interviews, is constructed in the Swedish television morning show Gomorron Sverige on International Women?s Day. Our study is based on qualitative method, using the ECA (Ethnographic Content Analysis) model.Our main theoretical assumptions are that media contributes to constructing the images of reality we see in our heads, and that the images of women mediated through television are stereotypes which are displayed in the presenter?s questions and in the respondent?s answers. By defining the problems related to International Women?s Day, showing causal connections, making moral judgments and presenting solutions, television contributes to the viewer?s perception of what is important, why it is important, what is wrong and how to make it right.Based on our theoretical assumptions we have divided our study into three analytical themes:1.

Drawing from the theoretical foundations of the ?critical theory? of the Frankfurt School and the media ethnographic ?cultural studies? approach of the british Birmingham School, this study attempts to sketch out a media theoretical overview of the contemporary state of media culture. Using the term convergence culture as the foundation, this study offers a theoretical background to the two contemporary streams that are the significant and distinct tendencies of convergence culture: intermedial convergence, its contemporary state and historical tendencies that can be traced back using the past media theoretical approach of the Frankfurt School, and cultural convergence, its contemporary state and historical tendencies, which lineage in a media theoretical context can be traced back to the british ethographic ?cultural studies? field. Using contemporary drama serials to identify and pinpoint these two stream, this study shows how intermedial convergence expresses itself today through media conglomeration in terms of branding, product placement and marketing as the result of the ?completed? convergence between screen culture and popular music as the current defining state of commodity culture.

Various electromagnetic (EM) treatments has been investigated for their potential in improving crop productivity over the past century. There is today an increasing amount of scientists advocating EM treatments as an organically compatible method for improving plant growth and yield. However, failure to produce repeatable effects and defining causal mechanisms has made it a study of much controversy and debate. The subject requires indepth interdisciplinary knowledge, making it inaccessible for the majority of biologists, horticulturists and growers. In this combined literature review and pilot study, these issues are addressed by providing a comprehensive introductory review of the topic plant bioelectromagnetics and its potential horticultural usability.

Horses are by nature herbivores, specialized on grass, and graze during the main part of the day. The horse has neither changed this basic behaviour nor the function of gastro-intestinal tract, when the horse was domesticated by man. A horse on pasture has an even production of saliva and gastric acids. The buffering effect of the saliva makes the pH in the stomach above four throughout most of the day. With abnormal long breaks of eating, the pH may decrease, causing an increased risk of gastric ulcer.

Background and aim: Organizations must be able to manage change in order to survive in today?s competitive society. To continue to develop and reach better results is fundamental. Case Company Parker Hannifin Corporation, Quick Coupling Division Europe, Tema Ingenjörsfirman AB, Skövde has an ambition to have an organization that manage changes and continuously improve its performance. That is the reason why this examination work arises.

Sammanfattning Ensilerat vallfoder är ett av de absolut viktigaste fodermedlen för att förmå korna att producera en stor mängd högkvalitativ mjölk. En hake är dock att ensilaget ska vara av god kvalitet och med bästa möjliga näringsvärde, samtidigt som man även vill ha volymmängder. För att få detta gäller det att skörda vid rätt tidpunkt, vilket kan vara svårt att veta när det infaller. Till detta finns ett hjälpmedel som kallas skördetidsprognos. Detta går ut på att man klipper prover i vallen upp till tre gånger innan första skörden för att analysera gräset och därigenom kunna avgöra när bästa tiden är för att skörda för att få den mest optimala kombinationen av mängd och näringsvärde. Syftet med detta arbete är att undersöka hur bra hjälpmedel jordbrukare i norra Sverige tycker att skördetidsprognosen är för att få en ökad kvalitet på ensilaget, samt att jämföra variationen i näringsvärde och mängd biomassa inom och mellan olika fält.

There are many old dams in Sweden and, since few dams are constructed today, the main task in risk assessment on the existing dams is often to reduce the risk of failure. RIDAS (Swedish Guidelines on Dam Safety) is used when designing new dams and assess the existing ones. The guidelines include stability requirements for different failure modes, e.g. overturning and sliding, which imply that the load effect from e.g. uplift and ice load need to be less than the resisting loads or moments.

AbstractTitle: It?s not just a comment ? a study about Crisis Management on Social MediaAuthor: Malin Pettersson 910624 and Amanda White 920310Year: Spring 2014Level: Bachelor degreeDepartment: School of Business and EconomicsSupervisor: Carina HolmgrenExaminer: Frederic Bill Purpose: The purpose of this paper is to develop and test a theoretical model for Crisis Management on social media. Method: The overall literature that was found consisted of traditional Crisis Management and the communication that goes with it, and it was mainly written for traditional channels such as newspapers. The theories could not concretely describe how organizations should handle crisis in Social Media. Therefore, this study focuses on if and how organizations can use the traditional theories when working with crisis management in social media. Through a qualitative method the study has examined and tested the model on three crises, and subsequently improved the model based on the empirical material and  the analysis that was made. Conclusion: The conclusion found that organizations need to adjust their crisis management after following guidelines for it to work on social media:-    Strategies should be limited to only one, and be either a rebuilding strategy or a bolstering strategy.-    The focus should be on emotional communication, and regarding the rational aspects the focus should be on actual actions and plans for the future.-    Clear guidelines for what type of questions and critics that should be answered should be set.

Which expectations did leading debaters place on fiction as an instrument in achieving societal changes hoped for by introducing the Public library? How can the value of fiction be described in relation to the mission of the Public library, according to these moulders of public opinion? Place and timeframe for this thesis is Sweden around the years 1905-1912 (period of formation of the Public library here according to the Anglo-American model). Starting point is the assumption that the Public library as a political institution is characterized by an ideological function. It produces meaning and norms, it sets standards of value. Method used is based on close reading and comparison.