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.

This paper contains an analysis that sets out to investigate how sustainable development is portrayed in textbooks used in gymnasium level civics education. The study covers three textbooks, all in current use. The paper sets out to explore the relationship between the books chapters on economics and those about environmental issues. The sum of these two parts is in the context supposed to make up the books big picture of green sustainable development, i.e. the ecological aspect of sustainable development. An analytical model will be used to categorise and compare the three textbooks.The method chosen for this is analysis of ideas by use of ideal types.

The purpose of this paper is to examine whether, and if so, how tourism effect the construction of a new city district with a stadium in focus. The study is based on a case study of Swedbank Arena and Arenastaden as nearby area. There has been an interest from the writers to study Swedbank Arena and Arenastaden, as it is a current subject, and both of them are under construction, which means that it was possible to see how the process works from the ground up. It has been shown that Swedbank Arena is built up in an entirely new district in which there will be new infrastructure that is tailored to the stadium and the crowd it?s expected to attract.

As a hibernating species, the brown bear spend most of the winter months in a den as astrategy to avoid unfavorable conditions. The denning period is a vulnerable time for bears,making them unable to flee disturbances without losing valuable amounts of energy. Brownbears' wariness of humans and avoidance of anthropogenic disturbance often steer denningbears away from human infrastructure, and bears thereby avoid possible disturbance and itsassociated energetic costs. This study was carried out to test the hypothesis that bearsdenning closer to infrastructure select more covered den sites to compensate for the closedistance. Dens from 32 individuals were visited and analyzed in terms of sighting distance(a measurement for den horizontal cover) and habitat ruggedness, in relation to distances toinfrastructure.

Old industrial sites bear witness of the unsustainable industrial developments in the past. Today many of them stand abandoned and empty, old structures lacking function in our present society. We have in this thesis participated in a visionary student competition arranged by IFLA, International Federation of Landscape Architecture by developing a proposal based on a vision of how Stockholm can stimulate a greener development. We have done this by turning an unsustainable industrial site in the city into an ecological node; Arboretum Lövholmen. Our aim is to develop an entry for IFLA?s visionary student competition by creating a new sustainable design for the industrial area of Lövholmen in Stockholm. We have worked with the following research questions: How can we create a visionary design proposal for Lövholmen that promotes sustainable development with the help of ecological design? How can the competition format be a design tool? How can the working process developing a competition entry progress? The competition demands have shaped our working process and functioned as a platform for the structure of this thesis.

In Sweden and in the rest of the world we face the problem how to create a sustainable development. At the same time the Swedish million program, a housing program made in the 1960:s and 1970:s, is facing a renewal due to lack of maintenance during many years. An attempt to join these two interests has been made in the residential area of Gårdsten north of Gothenburg. This paper is a case study to review the project and its approach to the sustainability concept. The purpose is to spread knowledge about the problems that can arise. By studying documentation about the reconstruction I have analyzed the approach that has been used. The housing company?s starting point was user participation and an intention to make the changes visible.

The purpose of these theses is to show the financial economical situation during the change from conventional dairy production to ecological production. The thesis is accomplished by collecting information from literature and interviews where needed. The target group of these theses is dairy producers who will transform their production from conventional dairy production to certified ecological dairy production. The theses emphasise on the economic situation during the adjustment years. For this I have studied a presently producing dairy farm.

The purpose with the essay is to point out how the main differences of the Helsinkicommission, Helcom and Baltic 21 can be explained from a general perspective and with a specific focus on two of their ongoing projects: Baltic 21 Lighthouse projects and The Baltic Sea Joint Comprehensive Environmental Action Plan. And to investigate how the organisations them selves formulates the purpose of the two projects. This will be an indication on why environmental problems are handled with in a traditional matter although the rhetoric of the environmental politics is permeated by the concept of Sustainable Development.This dilemma is being treated from the theoretical approaches of Ecological Modernisation and Sustainable Development and linked to how these organisations actually carried out their work and how the historical heritage have a role to play in this complex of problems. The results of the essay shows that concrete differences exists in the way that the two organisations are constructed and how their ongoing projects are designed and formulated. These differences can be derived to the theoretical platforms Ecological Modernisation and Sustainable Development and be explained by in witch political context the organisations were created.

I design a service building for the climbingcompany Klättertorpet.Klättertorpet is a small company that is situated outside Lysekil.Klättertorpet o!ers courses in climbing and campingsite."e new building will include kitchen, room for socialmeetings,gym, a small shop and safety lockers. "e starting point revolvesaround how to capture the companys values and philosophyin the design. "e purpose was to add value to the companythrough the design and for myself to get more experience ofworking with a client. During the project questions developedin to how to work with the hole lifecycle of the inertial in mindand how to make the place attractive to climbers. I worked withmodels, moodboards and sculptures to explore the form.

The use of insecure networks -such as the Internet- to send and receive information has made the need for preventing unauthorised people reading it yet more important. One of the easiest way to do this is through public key cryptography. However, the problem with this solution is how to tie a specific public key to a certain subject. This is solved by letting a trusted third party issue a certificate that holds, as a minimum, the name of the subject and the subject's public key along with the issuer's digital signature on the information. The rules we make for issuing, revoking and verifying of certificates and the entities that are being used to do so are called PKI - Public Key Infrastructure.

In this paper discourse analysis on the Ethiopian National Action Program (NAP) to combat desertification is made. The aim is to describe how the overall image/picture of desertification, its causes, and effects and of possible solutions are presented in the NAP. The result of this analysis shows that the main cause of desertification is human activities mainly due to the poorly developed socio-economic situation in the dryland areas. It is indicated that an excessive dependency of the rural population on the natural resources, particularly land, is the major cause of land degradation and this deterioration of land is said to have been caused by the rapid population growth, overgrazing, forest clearing as well as past government and institutional failures. In addition it is indicated that the effect of desertification usually involves ecological changes that sap land of its ability to sustain agriculture and human habitation, therefore the most serious threat to human welfare.

This study includes a life cycle assessment, LCA, on an ecological produced cotton shirt for the company Reflective Circle, which designs ethical and ecological clothes.Initially were cotton farming and textile production studied to gather basic knowledge about the processes. Since this shirt is being ecological produced in the whole production chain, we studied what an ecological production means, but also how a conventional production works. When this was done we could start to discuss the differences and similarities between the production of the shirt and general conventional production.When the LCA was first initiated, the main focus was on the green house gas emissions from the manure at the cultivation. Thereafter the process steps such as picking, ginning, carding, spinning, weaving and sewing were being studied. The picking is done by hand, but the rest of the processes are handed by machines which consumes energy.

This project explores how artificial landscapes as parks and squares above ground can save space by using the vertical voids in urban environments and how they can create spatial and social as well as ecological qualities and connections. Hybrid landscapes are a phenomenon of current interest within the field of architecture and urbanism. Architecture as surface, where facades and roofs become possible to tread, is a relatively recent occurence that has over the past few years become an increasingly common sight in architectural magazines and on international architecture exhibitions. Many of my selected reference projects have often been associated with sensational contemporary design trends generated by advanced computer software. But the phenomenon is also a result of other different currents of change that exist within today?s society, such as densified cities with a lack of open space, which is also expressed in architecture.

The purpose of this study is to make a close and critical scrutiny of the EU Lisbon Strategy and the assumption of `sustainable growth´. A basic question is to clarify what is meant by `sustainability´ in the economic and the environmental dimension respectively, and also, to analyse the meaning of `sustainable growth´. Secondly, I try to investigate the relationship between the economical and environmental dimensions of the strategy. Are the goals of the dimensions compatible and mutually supporting or are they conflicting? By illuminating these issues the study moves towards a final set of questions: What are the arguments that encourage or counteract the Lisbon assumption of `sustainable growth´? Is the European Union approaching `sustainable growth´ looking at different economical and ecological indicators? What are the prospects for the Lisbon Strategy as a way towards global `sustainable development´?.

ABSTRACTDuring the last decades, environmental impacts have increased significantly, much due to the great traffic flows within cities. Therefore, to reduce these impacts and encourage a healthy way of living, it has in recent years become vital to generate safer and more sustainable and flexible modes of transportation. In order to do so, authorities and physical planners must work together to find viable solutions to incorporate in the infrastructure and offer alternative transport modes ? such as walking, cycling and public transportation. The purpose of this thesis is to examine the development of the cycling infrastructure in the city of Västerås and whether it is possible to expand bicycle commuting alongside public transportation. The thesis consequently aims to study how different physical planners within Västerås municipality work with traffic related questions.