Title: The mortgage limitation and its impact on the mortgage marketLevel: Final assignment for Bachelor Degree in Business AdministrationAuthor: Mattias Arnkvist and Magnus Vitasp PerssonSupervisor: Lars SteinerDate: 2011 ? MayAim: We have conducted this report to find out what effect the mortgage limitation has had on the mortgage market since its introduction in autumn 2010. The mortgage limitation has both before and after the introduction been a topic of discussion as it affects many and above all makes it diffucult for certain customer groups.Method: This report was written by a qualitative method. The report uses qualitative and quantitative data. The quantitative data we have in the report are printed literature in books, articles and journals as well as data taken from Internet.

The increasing public concern regarding the government?s priorities in spending public resources puts pressure on public organisations to address quality issues in their practice. In United Kingdom both BRTF (Better Regulation Task Force) (BIS, 2005b) and the Hampton report (BIS, 2005a) highlighted management and quality problems in public organisations in UK. These reports revealed obstacles within institutions? intent to offer recommendations and appropriate solutions for agencies working with legal enforcement and control.

This master thesis has been performed at Solvina in Gothenburg for Skellefteå Kraftand Vattenfall Eldistribution. The aim of it is to investigate the consequences of theinstallation of a wind power plant on the mountain Uljabuouda in the vicinity ofArjeplog. Especially the impacts on voltage and transient stability are examined.Furthermore, the amount of extra strain on the voltage regulation equipment and theneeds for increased regulation capabilities are looked into.The wind power plant is planned to be built by Skellefteå Kraft and connected to a130 kV grid owned by Vattenfall Eldistribution. The work comprehends the followingmain parts:- Theoretical studies aimed at wind turbines and power system stability issues.- Modelling of the type of wind turbines assumed to be built on Uljabuouda.- Simulations of different operation cases and analysis of the simulation results.The results from the simulations show that, as far as voltage stability and extraworkload on tap-changers are concerned, the wind power plant does not, in anysignificant manner, worsen the present conditions. The problem of overloading theline between Arvidsjaur and Vargfors is also minor.

Sammanfattning Selektiva distributionsavtal används inom många branscher som ett sätt att reglera handeln med produkter och som ett verktyg för att selektera återförsäljarna. Det senaste året har dessa avtal kommit att nyttjas även inom klockbranschen. Det är en speciell bransch där varumärkena får allt större betydelse och det bidrar till en starkare position för de företag som äger och levererar produkter av de specifika varumärkena. Syftet med detta arbete är att utreda huruvida de selektiva distributionsavtalen medför en begränsning av konkurrensen och om så sker, vilka faktorer det är som skapar begränsningarna. Vidare har en diskussion förts om de villkor som nyttjas verkligen är förenliga med lagstiftningen.

This is an essay concerning the density of the city. An increasing amount of today?s cities have a shortage of space available for the erection of new buildings and settlements, especially in areas close to the city-centre. New buildings and settlements are therefore often found in the outskirts of the city, resulting in long distances between work and living for many people. These long distances are a waste of limited resources and are inconsistent with the vision of the sustainable city.The challenge for the future is to insert new buildings and settlements in the existing city-structure and in this way reduce the distances between different city-functions.The density of the city can be increased in two different ways; by inserting new buildings between existing ones or by extension existing buildings, for example by an additional floor.

The decision of the European Commission to block the merger between Volvo and Scania in the late 90?s became the starting point to the debate of the possible discriminating effects of the European merger regulation. Especially since the Commission a few years earlier had approved of the merger between Mercedes-Benz and Kässbohrer on the German bus market, where the conditions for competition had been similar to those at hand in the Swedish case. The issue that was and still is in focus is whether the European merger regulation is more difficult to pass for large companies situated on a smaller domestic market than is the case for their competitors of corresponding size but situated on a larger domestic market.This thesis aims at examining what the judgement of the geographical relevant market means for the application of the Merger act. This is being done from two perspectives.

Laminitis is a common but devastating condition, and affected horses are often euthanized or influenced a very long time. Many horses never return to their original capacity. Laminitis is often associated with severe pain and a long time of convalescence. Symthoms includes lameness, hoof hyperthermia, strenghthened digital pulse and pain. The horse often tries to move the body weight away from the forelegs which are often more severly affected than the hindlimbs.

The purpose of this thesis is to investigate the employees´ duty of loyalty to their employer when making statements on social media networks and if this opposes the employees´ right to freedom of speech. Another purpose of this thesis is to investigate freedom of speech from an EU juridical point of view. Also a discussion concerning gender issues on this subject takes place is presented in the thesis. The questions to answer the purpose of this thesis are the following: Where is the line drawn for what an employee can publish on a social media network without breaching their duty of loyalty towards their employer?, and How does an employee´s freedom of speech relate to these types of statements on a social media network? The method used for this thesis is the classical legal method.The legal inquiry shows that duty of loyalty is a hidden clause in all employment contracts, and it must be respected by the employee.

In 2003 the recommended phosphorus allowance for dairy cows in Sweden was lowered approximately 10 %. For a cow at a production level of 35 kg ECM it decreased from 0,40 to 0,36 % of dry matter. To investigate if the decrease has been implemented at farm level, analysis of following minerals; P, Ca, Mg, K, Na, S, Se, Cu, Mn and Zn was performed on the TMR at 20 farms in Sweden in the summer of 2004. The purpose was to describe the actual allowance of different minerals as compared to the new recommendations. One hypothesis was that the decrease in recommended allowance of phosphorus would lead to the need of new mineral feeds on the market.

The purpose of this thesis is to analyze the regulatory power, efficiency and impact of export control on Swedish arms export from the 1980s onwards, linked to the delegation of authority of permit license to the Inspectorate of Strategic Products in 1997. An increase in the administrative sector, based on a collective decision making process and established criteria and guidelines, aimed to strengthen the control of arms export to non-democratic and problematic states. In short, the aim of the study is to investigate and analyze whether there was a decrease in the arms export to problematic states or not. On one hand, it is reasonable to assume that the introduction of the new regulation entailed a more strict arms export policy. However, previous research has showed that regulations are sometimes not effective since incentives to breach these may be present.The study begins by examining the Swedish case and situation in terms of arms manufacturing and export, as well as the delegation of authority and legislation applied to the field over time.

Sale and acquisition of a business is risky, since vague legislation and lack of literature often contribute to the fact that it is not possible for the parties to know beforehand how a dispute about the agreement shall be resolved. The objective of this thesis is to clarify what should be applied in terms of liability and the allocation of risks between the parties, in order to help avoid disputes about the agreement. In order to fulfill the purpose of the thesis, the legal status of the agreement has been investigated, as well as the question whether the sale of goods act should be applied, even though the sales agreement between the parties should be the primary regulation. Furthermore, another question that has been investigated is whether the buyer?s duty to investigate, and the seller?s duty to inform, affects the allocation of risks between the parties, and thereby also their liability..

The red-tailed monkey (Cercopithecus ascanius) is a small, alert and active animal inhabiting forests with dense vegetation and as such hard to observe in its natural habitat. The principal aim of this study was to scrutinize whether the methods, previously used in a behavioural study of the blue monkey (Cercopithecus mitis) can be applied in studies of the red-tailed monkey?s behaviour as well. Additionally, habitat preference and foraging behaviour of the red-tailed monkey were examined. The study was carried out between the 16th and the 22nd of March 2009 in the Sabaringo forest, located on the western border of the Masai Mara National Reserve.

Purpose There are almost infinite numbers of ways to build dairy farms in Sweden. When building a new free stall barn you have the possibility to affect both working environment and animal welfare for many years to come. The construction costs are influenced by which type of barn that is built and what functions it contains, for example one can predict that automatic milking systems are more expensive to integrate than milking parlours. But what is the real cost of today for the construction of free stall barns with milking centres and how is it affected by construction methods and functions? Is the labour time influenced by the building costs? These are some of the questions this report will try to answer.

After I heard that two deadly accidents in farming 2003 were created by work with cattle, I got the idea of writing this degree project. So far there are not too many reports written about safety for the worker nor the animal. Therefore it will fit in with a report about safe handling of free stalled cattle. The Swedish Board of Agriculture would also like to do an information material about outside stalled cattle with this degree project as a background. The collecting of material was made by visiting farmers. The goal was to visit 15 ? 20 herds and when this is being written 19 herds have been visited.

In this project the focus has been on the system for recombination at Oskarshamn 2. The recombining systems have on several occasions switched paths due to low pressure before the last ejector that?s feeding the recombiner. Of the mentioned reason, events and several measuring points have been analyzed in this report since the installation of the recombining systems.In order to prove theories and demonstrate what may be the cause of this problem, we used heat balance calculations by the program Probera. Using the program, we can demonstrate that the catalytic process does not reach the desired temperature with the amount of combustible substance.