Title: Nordea Life and Pension during financial crisis Subject: Business administration, Candidate thesis 15 p. Authors: Seyithan Öngörur och Adnan Yari Instructor: Peter Lindberg Date: 2010-01-13 Key words: Nordea, the financial crisis, advice, marketing, customer relationship Purpose: The purpose of the study is to provide an understanding of how the financial crisis has affected Nordea Life and Pensions market growth based on market share. We also want to give an understanding of what factors may be responsible for the outcome that it may be helpful in future financial crises. Method: A qualitative study was the basis for the study, where three interviews were carried out by the respondents from Nordea Life and Pension.  Theory: In this section we have focused on relevant theory and has divided them into different themes, advice, current legislation, marketing, consumption and buying behavior. Conclusion: The study shows that Nordea Life and Pension had a positive growth during the financial crisis and a number of factors are presented that may be the basis for the outcome.Proposal for further research: Since this study was limited to one company it may be intresting to investigate and examine the consuling industry market as a whole affected by the financial crisis. Contributions: This paper has provided an understanding of how Nordea Life and Pensions affected during a financial crisis, based on market share and the factors that may have been the basis for this..

ABSTRACT This essay is about traffic analysis of Web servers. The purpose is to investigate if companies analyse the traffic on the Web server and if they use this information to create more than simple statistic reports. The questions that we will answer are the following: ? How common is traffic analysis on the Web server among companies? ? Is the Web administrator limited in analysing the Web traffic, if the company has the website on a Web hotel? ? Does the company uses the results they get from analysing the traffic on the Web server for updates and changes on the Web page? To answer these questions we made a questionnaire investigation by telephone interviewing the companies? webmasters. The extent of the investigation was 20 companies in Blekinge.

Animal welfare is of increasing concern in present society. In commercial pig farming, animal welfare problems are common. One of the causes for these problems is the barren environment in which pigs are housed, which can cause oral manipulation of pen mates. Providing straw might be one solution to this problem. Another solution could be reached through genetic selection.

The purpose with this study was to describe and analyse the daily activities of a criminal group in a southern suburb of Stockholm, Norra Botkyrka, and their attitude to drugs, the police, crimes in general, accomplices and their plans for the future. The study is a combination of different qualitative methods that is built on unobtrusive methods and interviews that was carried out during winter in 2006 and spring in 2007 and six interviews. My interest to carry out this study was grounded on my several years of experience as a prison and probation officer in the prison. I chose to ?live? with a group of criminals and participated in some of their social activities.The respondents that I chose to call ?anti-heroes? proudly tell me about their criminal lifestyle that characterizes of violence, drugs, crimes and conflict where this people show no regret.

This paper relates a debate on a book Vetenskapen och förnuftet (1986) written by the Scandinavian philosopher Georg Henrik von Wright (1916 - 2003). The book brings up fate of mankind, raising the question if human rational thinking and scientific achievements are threatening our very existence on earth. Shortly after the book was published, it was intensively debated in a leading Swedish newspaper Svenska Dagbladet. Some 20 leading politicians and scientists contributed with their criticism during spring 1987. The paper highlights this debate by writing reception history, describing how the book with its serious message was received by leading scientists of the time.

The commercial real estate market makes up a large part of Sweden's property portfolio, as well as other open, free markets in the real estate market it is regulated by supply and demand. There are several factors that affect the supply and demand in the commercial real estate market, for instance the price, type of real estate and the condition of the real estate. In order to achieve success in the commercial real estate market it requires that real estate agents have a certain expertise and flexibility in their thinking to adapt commercial real estates to supply and demand. Active investors on the commercial real estate market are for instance private real estate agents, their knowledge and experience will help increase the value of commercial real estate in the long run. In order to provide the market flexibility in its real estate portfolio, vacancy is a factor that can be used.

ABSTRACT This essay is about traffic analysis of Web servers. The purpose is to investigate if companies analyse the traffic on the Web server and if they use this information to create more than simple statistic reports. The questions that we will answer are the following: ? How common is traffic analysis on the Web server among companies? ? Is the Web administrator limited in analysing the Web traffic, if the company has the website on a Web hotel? ? Does the company uses the results they get from analysing the traffic on the Web server for updates and changes on the Web page? To answer these questions we made a questionnaire investigation by telephone interviewing the companies? webmasters. The extent of the investigation was 20 companies in Blekinge. The information we gathered from the investigation showed that it is becoming more common that companies analyse the traffic on the Web page and that they uses the information to more than statistic reports, for example updates and changes of the Web page.

Myanmar?s entry in Association of South Eastern Asian Nations (ASEAN) in 1997 brought about several economic and social changes. One important change is tariff reduction through the Common Effective Preferential Tariff (CEPT-scheme), which increased Myanmar?s export to countries outside the ASEAN. The increase in exports facilitated trade creation and investment creation for Myanmar.

In this thesis we study the development of post-earnings announcement drift (PEAD) in the Swedish equity market from 2000 to 2009. By forming portfolios based on the stock price reaction to quarterly reporting we show that the characteristics of PEAD have changed. We demonstrate that negatively surprising companies show a positive drift during a holding period of six months sufficiently large to render the trading strategy unprofitable. This development holds from 2005 and onwards and these results contradict many a study which finds the same portfolio construction to be indeed profitable. We argue that this development is a trend that will not only affect our study but future studies as well..

Objective: The objective of this thesis is to investigate how Scania has attained success to establish on the Indian market and to inquire into the establishment process of Scania and their entrance in the Indian market. The thesis describes different factors such as the product, mode of entry, time of entry and choice of market that play a role when a company establishes and invest in a foreign market.Method: This thesis is limited to the process of establishing Scania on the Indian truck market. A qualitative approach has being utilized in this study, consisting of interviews withStaffan Sjöström, development manager at the R&D department, Koen Knoops, vice president at Financial Services and Henrik Fagrenius, former managing director for Scania in India. Data collection from various journals and articles have been conducted for the presentation of the number of sold newly registered trucks in comparison to the number of sold newly registered trucks in India by Volvo, Tata Motors and Ashok Leyland during 2010, 2011, 2012 and the first three quarters of 2013.Theory: With a starting-point in empirism, we have used a theoretical frame of reference to describe Scania´s establishment process. Scania makes use of an internationalization strategy, namely Market Selection, Time of Entry and Entry mode and the network model, which describes the process of establishing on a foreign market as a business association with various players on the market.

Young stands in urban forests often lack a shrub layer, though shrubs play an important structural and biological role in forests. All layers interact with one another to form a multilayered stand, in which shrubs have a vital role.In this diploma thesis, theoretical models for forest dynamics are compared with four reference stands to detect factors, and principals for introduction of shrubs in young stands. In these stands four different ways of introduction were found. In one trees and shrubs were planted together at the same time. Shrubs spontaneous spread under a canopy of mature forest, in another.

Det här projektet är det sista och avslutande momentet på vår utbildning Medie-design vid Luleå Tekniska Universitet och kallas för ett c-arbete. Tack vare moderniseringen av utbildningen som vi går så har vi numera möjligheten att göra ett konstnärligt arbete istället för att skriva en vetenskaplig rapport. Det innebär att vi har lagt mycket tid på att planera och framställa en grafisk produkt och den här rapporten redogör för vår process från planeringsstadiet till den färdiga produkten. Syftet med detta projekt är att vi ska lära oss hur boktryckningsprocessen fungerar och samtidigt öppna läsarnas ögon för hur stor skillnad människor verkligen gör i samhället. Vidare kommer vi som nyexaminerade mediedesigners att använda oss av detta grafiska arbete och visa upp det som en del av vår portfolio vid framtida arbetsintervjuer.

The aim of this essay was to study the nitrogen flow in two willowplantations, at different locations in the south of Sweden, that wereirrigated with sewage. The study was also performed to compare thedifferences in nitrogen flows between two years, 1998 and 1999. The studywas made in three parts. First, the denitrification activity was measuredusing the acetylen inhibition method. Second the nitrogen flow, as well asthe water- and heat flows, were modeled through the SOIL-SOILN-modelThird; the nitrogen flow was calculated to compare with the results fromthe model.The results from the measurements were then compared with the resultsfrom the SOILN-simulations to detect differences in the denitrificationrate.

I detta examensarbete har jag skrivit, spelat in och producerat tva? la?tar a?t gruppen Hey Mary, arrangerat tio la?tar skrivna av Andrew Lloyd Webber a?t Stockholms Estetiska Gymnasium samt programmerat en prototyp pa? en iPhone-app, som i framtiden kan anva?ndas som ett nytt sa?tt fo?r artister att na? ut till fans pa? men som i dagsla?get a?r en portfolio fo?r mig som la?tskrivare och producent.Syftet med den ha?r skrivna rapporten a?r att o?vergripande beskriva det konstna?rliga projektet och att analysera huruvida relationen mellan producent och artist/besta?llare samt klimatet i studion pa?verkar slutresultatet samt att reflektera o?ver hur mycket man som komposito?r och musikproducent kan kompromissa med sin konstna?rliga integritet i fo?rha?llande till besta?llarens/artistens o?nskema?l/krav, till mina egna tekniska och materiella fo?rutsa?ttningar och begra?nsningar samt till givna tidsaspekter..

Animal welfare is of increasing concern in present society. In commercial pig farming, animal welfare problems are common. One of the causes for these problems is the barren environment in which pigs are housed, which can cause oral manipulation of pen mates. Providing straw might be one solution to this problem. Another solution could be reached through genetic selection.