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.

Bakgrund: Föreskriften den svenska koden för bolagsstyrning (Koden) började år 2005 gälla för svenska börsnoterade bolag med förutsättningen ?följ eller förklara?. Syftet med Koden är att se till att bolagen styrs på ett sådant sätt att de uppfyller ägarnas krav på avkastning på det investerade kapitalet, god bolagsstyrning. I Koden föreskrivs bland annat att styrelsens sammansättning ska präglas av mångsidighet, bredd och att jämn könsfördelning ska eftersträvas. Undersökningar som gjorts om styrelsesammansättningar innan Kodens införande visar att den viktigaste faktorn vid nominering av styrelseledamöter är att personen har VD-erfarenhet.

In autumn of 2021, the anthology A Bridge of Poetry was given to all six-year-olds in Sweden. The anthology contains both older and contemporary poetry, as well as both children?s poetry and poetry written for experienced readers. The idea is that, with the help of an adult, texts and images, and in some cases short movies, will together stimulate children?s thoughts and initiate conversations, as well as arousing children?s curiosity about poetry.

Intresset av att studera den institutionaliserade diskrimineringen, det symboliska våldet och de mekanismer som skapar inne- och utestängningsmekanismer på grundskolan härstammar från erfarenheter under mina år som student och lärare i Sverige. Forskning inom ämnet visar på att skolan är en sorteringsarena där symboliskt våld upptar en stor plats. Skolan som den är idag är långtifrån att vara en arena ?för alla? utan vissa personer lider av exkluderande praktiker medan andra njuter av inkluderande praktiker. Jag har använt mig av self-reportmetoden för att undersöka förekomsten av det symboliska våldet ur ett elevperspektiv, samt för att undersöka vad skolchefer gör för att hantera problemet och på så sätt återge alla samma möjligheter i ett medvetande av ?en skola för alla?.

Inledning: I Sverige har alla blivande föräldrar rätt till fri mödravård. I stort sett alla kvinnor utnyttjar den förmånen. Barnmorskor vid MVC är ofta den första kontakten som de blivande föräldrarna träffar under graviditeten, och har också huvudansvaret för graviditeten ända fram till barnets födelse. Under de senare åren har mödravården alltmer fokuserat på det ofödda barnets hälsa. Förutom de rutinmässiga undersökningarna och samtalen är barnmorskans uppgift också att ge information kring olika fosterdiagnostiska metoder och genetiska avvikelser som kan upptäckas.

This work is a GIS study of fishing rights distribution between different categories of ownersand properties in the Stockholm Archipelago. The purpose was to create basic data used toestablish fishing laws and restrictions within the Stockholm County.Stockholm?s archipelago consists of a unique environment and is the natural life andreproduction environment for ? of Sweden?s reproducing fish species. The increasingpressure from fishing, tourism and weekend population increases the need for an efficientfishing administration to prevent impoverishment and to ensure the biological diversity inSwedish fishing waters. There is an increasing need to review fishing administrationmethodologies, as well as studying the categories of ownership and properties located insensitive areas and areas influenced by physical disturbances in order to establish effectivelaws and restrictions.The Swedish fishing rights for an area are currently not connected to the ownership of theproperty to which it belongs.

Renal dysplasia in dogs is a severe kidney disease that causes great suffering for the affected individual. The disease disturbs the development of the kidneys which leads to an immature microscopic structure of the kidney and smaller kidneys than normal. A dog with renal dysplasia only lives between 4 and 24 months, because of kidney failure. There are different ways to establish a diagnosis, but the most common way today is to take a renal biopsy. In a scientific study, ultrasound based diagnosis was shown to match the histopathological picture of the disease.

Aspen (Populus tremula L.) and goat willow (Salix caprea L.) are two important tree species in the aspect of nature conservation. Due to the elimination of forest fires, a former negative attitude towards deciduous trees in forestry and a strong herbivore pressure, these tree species have been negatively affected during the last fifty years. The aim of this study was to investigate whether the occurrence of aspen and goat willow could be related to either human impact or to site properties, such as ground moisture and vegetation type. A side study included an inventory of a number of cyanobacterial tree lichens on aspen and goat willow in order to try to relate the occurrence of these lichens species to stand history and stand properties. The study was performed in Hamra State Forest in northern Dalarna. Nature reserves were compared with stands in managed areas.

People have utilised and influenced the boreal forest for many centuries. Prior to the industrial revolution during the 19th century, however, human use primarily only had a low impact on the forest. When the timberfrontier swept over the country, the Swedish forests came to change for ever. The study site for this thesis is situated in the northern part of the county of Västerbotten, Sweden, and has previously been a National forest. Today the area is an ecopark and the land is owned by the forest company Sveaskog.

Populärvetenskaplig sammanfattning: Småvatten i form av dammar och våtmarker har en viktig funktion i både den terrestraoch akvatiska miljön. De fungerar till exempel som buffert för näringsämnen från attflöda ut i havet och dem ökar den biologiska mångfalden bland växter och djur.De flesta antropogena småvattnen har sitt ursprung från 1800-talet och 1900-taletsbörjan, då näringsrik märgellera grävdes upp från åkrar och hålen på åkrar fylldes uppmed nederbörd. I samband med jordbrukets effektivisering så jämnades många avdessa märgelhålor och antalet småvetten minskade avsevärt. Sedan mitten på 1980-talet har småvatten och våtmarker uppmärksammats i en rad olika miljöprojekt iSkåne.Syftet med denna magister uppsats i ämnet Naturgeografi är att uppskatta samt att i ettlängre perspektiv få reda på hur dessa småvatten förändringar skett de senaste 60 årenoch vilka effekter det haft för omgivningen. Metoden som användes var fjärranalys ikombination med fältbesök samt skärmdigitalisering i ett GIS.

Abstract The increased focus on social capital theory has made its way into labour economics. This has led to the creation of a vast literature about the use of networks and informal search methods in the labour-market, a literature that to some extent also deals with immigrants search behaviour and their relatively high unemployment rate. Characteristic for the literature in the area is the lack of analysis of actual networks. Which types of contacts do these networks contain; how are the networks used in the labour-market; and which type of network generates a high amount of social capital. These questions are important for the general understanding of how social capital functions, within the labour-market, but also for the understanding of how immigrants use their networks in order to find themselves jobs.

Oilseed rape is an important crop in Sweden and is grown on about 90000 ha today. The interest in oil seed pro-duction is increasing because of growing demand and high prices for oil seed both in Sweden and Europe. However, an increased intensity in the oil seed production can bring higher risk of yield losses due to fungal diseases. The purpose of this study was to investigate what different fungi are associated with oilseed rape under field conditions and if their incidence is correlated to crop establishment problems. This study was carried out in three parts: 1) investigations on fungal community structure in roots and rhizosphere soils from young spring- and winter rape plants sampled in failed respectively good establishment patches in four fields, 2) investigations on the pathogenicity of fungi isolated from oilseed rape in controlled environment and 3) investigations on the effect of different fungicide seed treatments on germination and early plant development in a field soil naturally infested with damping off- and Verticillium wilt pathogens. The studies on community structure using a combined approach of standard fungal isolation techniques and DNA based methods revealed a high fungal diversity in three out of four studied fields of spring rape and winter rape. For some unknown reason, very few fungal species were identified from the fourth field.

The majority of all collie owners in Sweden are satisfied with their dog and choice of breed and may well consider having another one. This was found in a survey that collie owners who owned a collie between the years 1999-2009 had the opportunity to fill in from May to December 2010. In the questionnaire there were three questions included where the owners could answer whether they were satisfied or not with their dog. These questions were: * Do you think the temperament of your dog is well suited for your way of life and the goal you have with your dog? * Would you be willing to get another dog in the future? * If you were to get another dog, would you consider a rough collie? When the answer to these three questions were compared with the dogs behavior, as described in the other questions in the survey, it seemed that it was mainly the fearfulness of the dog that differed between owners who were satisfied with their dogs and those who were not.

The process of European Integration and creation of the single market revealed many questions and boundaries on the development and improvement of the European Social Policy. Pension?s sustainability has become the priority issue especially during the EU enlargement processes. Different policy instruments and institutions available to governments of Member States in realization of social objectives resulted in a growing diversity of pension polices which produced different combinations of public and private provisions - ?private-public hybrids? , with the state exercising different degrees of influence in their development.

AbstractAn approaching overproduction of cereals and a future uncertain supply of non genetic modified vegetable protein feedstuffs have increased the interest in an expansion of the domestic production of protein feedstuffs in Norway. Besides rapeseed (Brassica campestris), peas (Pisum sativum) may be the most suitable crop for this purpose. Peas are characterized by having a relatively high content of crude protein, ranging between 20-26%, a high content of starch, 42-51%, and a low content of fat. In general, the energy value for peas is higher than for barley but lower than for rapeseed and soybean meal.Pea protein consists of albumins and globulins to 85-100%, which leads to the fact that a large part of the pea protein is soluble and degradable in the rumen. Starch in peas is on the other hand to a large extent resistant to rumen degradation compared to starch from other starch rich feedstuffs.