Background: The Swedish Financial Supervisory Authority?s mortgage limitation, of mortgaging up to 85 percent of the market value of the real estate was introduced on the first of October 2010. The aim of the recommendation is to prevent a detrimental development of the market for mortgages while at the same time creating incentives for the consumers to limit the debt level. The mortgage limitation is a recently adopted recommendation and few studies have made a thorough analysis of its effects, hence it is an interesting topic to study.Aim: The aim of this study is to analyze the initial effects of the mortgage limitation for consumers, banks and estate agencies. Furthermore, the study aims to evaluate drivers of consumer debt levels and conclude whether the mortgage limitation will result in lower debt levels for consumers.Completion: The study is based on interviews with respondents from banks and with respondents from estate agencies to enlighten the initial and long term effects of the mortgage limitation.

Few helmets, dated to the Vendel period are known from Scandinavia and even fewer are known from the Viking age. Paradoxically, picture stones and sagas frequently tell about these objects as if they were very common, something that is contradicted by the archaeological material. The purpose of this thesis is to examine different literary sources and compare these to the archaeological materials and by doing so, gets a clearer picture about the emergence, use, function and of the late Iron Age helmets in Scandinavia..

Caran has a strong belief that women leaders affect the financial profitability positive. Since women leaders are intangible resources it is very difficult to calculate its exact value. The authors found that one of their measurement methods can?t be used to calculate the value of women leaders. The other measurement method can calculate significance between women and men leaders and provides an index to be compared to other groups.

The main purpose of this bachelor thesis is to create a product in the form of a database that can be used for cost estimates of equipment within bio refineries. Through interviews and literature searches the key components and their costs were identified. The database was constructed in Microsoft Excel with different tabs for different categories of components; these tabs are further divided into three parts: one part with costs, one part with calculations and an information part. Most of the part with costs contains the expenses found in scientific papers during the literature study, the calculating part converts different capacities according to user preferences and the currency to euro (?) from 2010 and the information part consists of references and information about what is included in the cost.The database is a good tool for making cost estimates for bio refineries.

The main purpose of this bachelor thesis is to create a product in the form of a database that can be used for cost estimates of equipment within bio refineries. Through interviews and literature searches the key components and their costs were identified. The database was constructed in Microsoft Excel with different tabs for different categories of components; these tabs are further divided into three parts: one part with costs, one part with calculations and an information part. Most of the part with costs contains the expenses found in scientific papers during the literature study, the calculating part converts different capacities according to user preferences and the currency to euro (?) from 2010 and the information part consists of references and information about what is included in the cost.The database is a good tool for making cost estimates for bio refineries.

This paper treats George Dickies institutional theory of how to define art. Some alternative theories and their originators are also introduced. According to Dickie something is art because it has been created against a background of an already existing artworld. Dickie has formulated his theory in two different versions, ?the earlier? and ?the later?, which differ somewhat in their design.

Organizational Ambidexterity är ett relativt nyuppkommit begrepp och få undersökningar har gjorts kring ämnet. De tidigare undersökningar som har bedrivits har främst fokuserat på hur ledarskap framkallar Organizational Ambidexterity. Tidigare undersökning har även forskat i hur dess komponenter, utforskande och bearbetande, kan samexistera i en organisation då de två komponenterna konkurrerar om samma resurser. För att vända blicken bort från ledarens roll i en organisation att inverka på Organizational Ambidexterity, har studien fokuserat på belöningssystemets inflytande på Organizational Ambidexterity med bankorganisationer som objekt. Belöningssystem förekommer i både finansiell och icke-finansiell form. Finansiella belöningar kan tillkännages som en transaktion utav finansiell ersättning vid utfört arbete.

The aim of this thesis is to see if there are differences in how managers and other staff looks at goals for short-term accommodation. The results show that there is a difference in views on the goals. This is manifested, among other things, in the form of managers have their focus concentrated on the financial framework for the business. Other staff have their focus directed at targets that are more about the work of the resident. The theory that the survey is based on is The sense of coherence and its three pillars: comprehensibility, manageability and meaningfulness..

The main purpose of this bachelor thesis is to create a product in the form of a database that can be used for cost estimates of equipment within bio refineries. Through interviews and literature searches the key components and their costs were identified. The database was constructed in Microsoft Excel with different tabs for different categories of components; these tabs are further divided into three parts: one part with costs, one part with calculations and an information part. Most of the part with costs contains the expenses found in scientific papers during the literature study, the calculating part converts different capacities according to user preferences and the currency to euro (?) from 2010 and the information part consists of references and information about what is included in the cost.The database is a good tool for making cost estimates for bio refineries.

The main purpose of this bachelor thesis is to create a product in the form of a database that can be used for cost estimates of equipment within bio refineries. Through interviews and literature searches the key components and their costs were identified. The database was constructed in Microsoft Excel with different tabs for different categories of components; these tabs are further divided into three parts: one part with costs, one part with calculations and an information part. Most of the part with costs contains the expenses found in scientific papers during the literature study, the calculating part converts different capacities according to user preferences and the currency to euro (?) from 2010 and the information part consists of references and information about what is included in the cost.The database is a good tool for making cost estimates for bio refineries.

Syftet med vårt arbete är att belysa lärarnas uppfattningar om fritidspedagogens yrkesroll vid två skolor. Ett ytterligare syfte är att jämföra ovan med rådande uppfattningar från Skolverket samt jämföra utfallet av ovanstående med resultatet av en enkät utförd på fritidspersonalen vid dessa två skolor. Vi väljer att använda en kvalitativ undersökningsmetod med förutbestämda frågor. Vi avser att intervjua fyra lärare och delar ut enkäter till fem fritidsanställda på två olika skolor. Vi intervjuar även personal på Skolverket för att jämföra beskrivningen av fritidspedagogens yrkesroll.

The purpose of the study is to describe how financial management functions within the individual and family care services in three mid-sized municipalities.27 interviews with managers and key personnel at three management levels in Örebro, Växjö and Jönkö-ping were conducted using a descriptive approach and qualitative method. In addition governing docu-ments and delineations in regards to these municipalities have been studied.The combined findings show that all municipalities have separate visions and control systems/models for their municipality with focus on management by objectives and politically determined goals, which in-clude economical measurements and requirements for the departments. Moreover, are also tracking sys-tems, which are described as following up on the results thru indicators and/or measurable goals. The municipalities utilize framework financials and budget processing on a high level and its timings appears similar in each municipality.Additionally the study has shown that there is a desire and aspiration to implement central economic goals in all three municipalities. The interviewees describe how they use their leadership to anchor, follow up and create participation in economic objectives and results thru instrumental and institutional leadership.

Träds sociala status inverkan på grundytetillväxtökningen undersöktes genom jämförelse av grundytetillväxten efter gallring med motsvarande stammars grundytetillväxt i en ogallrad kontrollyta. Datat kommer från fyra olika provytelokaler ur de svenska gödslings-/gallringsförsöken, där behandlingarna bestod av ett gallringsprogram med en kraftig gallring, ett med tre klenare gallringar samt en ogallrad kontrollyta. Datat täckte en utvecklingsperiod på ungefär 40 år. Stammarna delades vid första mättillfället in i fem klasser utifrån diametermedelstammen och dess tillhörande standardavvikelse på respektive yta, därefter utfördes undersökningarna på de stammar som fanns kvar efter sista mättillfället. Vid den sista mätningen fanns enbart de tre största klasserna kvar i tillräcklig utsträckning i alla behandlingar och resultatet omfattar därför bara dessa klasser.

Undersökningens syfte är att med hjälp av intervjuer redovisa sex gymnasielärares uppfattningar om deras yrkesetiska principer. Fokus ligger på principernas syfte, diskursaktualitet och applicerbarhet. Resultatet visar att lärarna ser yrkesetiken som ett förhållningssätt samt en del i status- och professionsfrågan. Diskursaktualiteten uppfattas som frånvarande på den aktuella skolan, men intresse för större aktivitet önskas hos några av dem. Yrkesetikens applicerbarhet anses som relativt god, men att problem finns..

I ett samhälle med ökad globalisering blir regler angående den internationella privat- och processrätten allt viktigare. Denna uppsats behandlar lagvalsregler, vilka går att finna i Romkonventionen. Romkonventionens huvudregel är lagvalsfrihet. Det finns dock bestämmelser i konventionen som inskränker denna möjlighet. Artikel 7 rörande internationellt tvingande regler är ett exempel på detta och är även uppsatsens huvudämne.