This work consists of a survey and risk classification of eleven metal industries including foundries, finishers and engineering industries in two industrial areas in Mora. The study follows a method called MIFO (Method of Surveying Contaminated Sites) composed by the Swedish Environmental Protection Agency. In the method assessments of the degree of hazard posed by the pollutants, the level of pollution, the conditions of dispersal, sensitivity and the degree to which the area is worthy to protect are made for each contaminated site (object). The assessment classify the objects into four risk classes in which risk class 1 denotes a very large risk, 2 large risk, 3 moderate risk and risk class 4 little risk. The work of surveying using MIFO is divided into two phases.

Mental illness is today the leading cause of long-term sick leave and insomnia, anxiety, depression and burnout are among the most common conditions. The aim of the study was to investigate the stability of these conditions and how this is influenced by gender and age, as well as the extent to which these states are risk factors for each other. The participants were a random sample (n = 2336) from the general population in the age of 18-79 years. The results showed that stable illness was more common among women than men, and that stable illness decreased with aging. The stability itself was not affected by gender or age. Relations between the conditions were bidirectional and they constitute major risk factors for each other (odds ratios, OK = 2.37 to 6.46). The largest risk factor for a condition is, however, previous occurrence of the same problem. Previous burnout was found to be a significantly larger risk factor for future burnout than previous insomnia for future insomnia (OK = 9.63 and 5.74, respectively). The results suggest that insomnia, anxiety, depression and burnout, despite their differences, are similar regarding symptoms and underlying causes. The importance of early interventions to prevent comorbid conditions which are more complicated and more difficult to treat is emphasized..

Managing credit risk might be the single most important business area for any commercial bank. The assessment of "good" and "bad" corporate clients is a important task for a creditor. A bad debtor is a corporate client with hardships in meeting the continous claims (interest payments) that a creditor requires. One way of evaluating or separating a "bad" client from a "good" client is to assess the propensity for the client to file for bankruptcy. This thesis examines 226 firms in the Swedsh market in the quest of predicting corporate bankruptcy.

This thesis was performed as assignment from Fazer Food Services. The aim was to survey which food additives that were present in the products in the quotation list of one of their suppliers to the Education and Nursing segment. The aim also was to perform a theoretical analysis of these food additives and to make recommendations which food additives are acceptable and which should be excluded from the products in the future. The recommendations are not published in this report, for more information Fazer Food Services can be contacted. Food additives which have already been approved are regarded as safe according to the safety evaluation methods available at the time of approval.

The purpose of my study is to investigate whether luck egalitarianism can be savedfrom its inability to draw a line between risks which can reasonably be expected to beavoided, and risk which can not. Such a demarcation is of particular importance forthis influential theory of distributive justice, since it serves to judge whether a personis entitled to compensation for a bad outcome of a taken risk, or not. Testing theintuitiveness and coherence of various contending principles for how to separateavoidable risks from unavoidable ones, I conclude that luck egalitarianism seemsunable to draw a clear line between the two kinds of risks. Instead the theory appearsto be dependent on conceptions of a 'normal life', making it remarkably vague.Furthermore, I argue that luck egalitarianism seems unable to manage without takingsufficientarian and utilitarian concerns into account, for the purpose of decidingwhich risks are avoidable, and which are not..

Value-at-Risk (VaR) is among financial institutions a commonly used tool for measuring market risk. Several methods to calculate VaR exists and different implementations often results in different VaR forecasts. An interesting implementation is historical simulation, and the purpose of this thesis is to examine whether historical simulation with dynamic volatility updating is useful as a model to calculate VaR and how this differs in regard to type of asset or instrument. To carry out the investigation six different models are implemented, which then are tested for statistical accuracy through Christoffersens test. We find that incorporation of volatility updating into the historical simulation method in many cases improves the model.

Post-anaesthetic myopathy (PAM) is a serious occasional complication of general anaesthesia in horses. It causes not only pain and suffering to the horse, but also suffering (trauma) to the owner with increased veterinary costs. In the worst case PAM can be fatal. The anaesthetic nurse must know which parameters have to be taken into consideration in the prevention of PAM, to be able to prevent it, and use that knowledge for the animals safety. The aim of this literature review was to investigate and make a presentation of the factors and measurements associated with PAM, with focus on how to monitor these measurements to prevent it from happening, and the advice a Veterinary nurse can give to the horse owner regarding this condition. According to literature there a few factors that greatly increase the risk of PAM, these include- hypotension, periods less than 60 mmHg significantly increases the risk.

The Clinical Pathology Laboratory at SLU in Uppsala has analysed several blood samples from Dachshunds with severe anemia. As there are no previous studies on this topic, a study was performed to evaluate if Dachshunds are more prone to severe anemia compared with other breeds. In addition, a retrospective case study on Dachshunds with severe anemia was done to search for common risk factors or diseases. Hemoglobin values in samples from 1272 Dachshunds and 2269 German Shepherds analyzed from September 1994 to October 2007 were used to compare the frequency of severe anemia in Dachshund and German shepherd. The samples were identified by laboratory information system.

This thesis examines the effects of the Swedish school reforms that took place in the early 1990?s. Theories such as Principal-Agent, Stewardship and Lipsky?s street-level bureaucracy are discussed as well as New Public Management (NPM). These reforms were heavily influenced by NPM, causing an increased level of street-level bureaucracy, and according to Principal-Agent theory some outcomes could have been predicted.

Mine waste from Ljusnarsbergsfältet in Kopparberg, Sweden, is considered to constitute a great risk for human health and the surrounding environment. Some of the waste rock consists of sulphide minerals. When sulphide minerals come into contact with dissolved oxygen and precipitation, oxidation may occur resulting in acid mine drainage (AMD) and the release of heavy metals. The purpose of this study has been to characterise the waste material and try to chemically stabilize the waste rock with a mixture of sewage sludge and calcium carbonate. The drawback of using organic matter is the risk that dissolved organic matter can act as a complexing agent for heavy metals and in this way increase their mobility.

Since the 19th century the concentration of CO2 in the atmosphere hasincreased by 40 percent as an effect of the use of fossil energy sources.Increased concentration of CO2 will likely lead to increased temperature,changes in precipitation, rising sea level and increased frequency of extremeweather like storm events. A step to reduce emissions of CO2 and mitigateclimate change, for the property of Tagel, can be to adopt new silviculturalstrategies and analyse which is the most effective. As a result of that, threescenarios was produced, business-as-usual (BAU), increased set aside landand energy. An introduction of windpower at Tagels estate (property) andeffects on carbon balance was also examined. By using the Heureka systemand LCA-analysis in this study, it showed that the scenario of increased setaside land was the most efficient way to reduce carbon dioxide (CO2)emissions for the analysed period of 100 years.

HSB Göteborg owns and manages the property Masthugget 11:13 also called the Corvette in Gothenburg. The Corvette contains mostly office space but also shops, homes and garages. HSB Göteborg utilizes approximately 5000 square meters to its headquarters but in December 2014 they will move operations to Johanneberg Science Park. The risk of an increased proportion of vacancies in combination with relatively low rents and other tenant terminations allows HSB to ask for a future plan for how the real estate should be developed in order to remain profitable.Through studies of the area, urban office prospects, property current status and legal and economic conditions have different potential types of businesses been evaluated. City Planning Office program proposal forms the basis for the analysis of future plans for the area.

.Syfte: Syftet med uppsatsen är att undersöka sambandet mellan Morningstars rating och framtida avkastning, samt om detta skiljer sig åt i olika börsklimat.Metod: Undersökningen bygger på en kvantitativ metod då vi har samlat in sekundärdata från dagstidningar och Internet. Den insamlade sekundärdatan kommer att ligga till grund för empirin då vi testar sambanden mellan variablerna rating och avkastning, risk och avkastning samt rating och risk. Teoretiska perspektiv: Uppsatsens teoretiska utgångspunkt är den effektiva marknadshypotesen och kapitalmarknadslinjen. Teorin grundas även på tidigare studier av bland annat Morey (2003). Empiri: Med hjälp av statistikprogrammet SPSS undersöker vi korrelationen mellan variablerna rating och avkastning, risk och avkastning samt rating och risk.

Abstract  Title: High-Risk Funds vs. Mutual- Index FundsA study of macro -variables influence on different funds choice Level: Final assignment for Bachelor Degree in Business Administration Author: Moses Yokie & Bo Lemar Supervisor: Ogi Chun & Cheick Wagué Date: 2011-05-25 Aim: The purpose with this thesis is to compare two different types of mutual-index fond and a high-risk fund in relation to the macro variables. The purpose also includes an investigation about if an investor will receives a higher return on high-risk fund than on mutual-index fund in a 10 years period.Method: A quantitative method has been use in this study, where the information has been received from Morningstar. Microsoft Excel has been used to process the collected data in order to calculate the expected return and the risk measures. The result is presented in graphs and tables on the empirical capital, in order to analyse and compare it with the theories and the selected macro- variables to see if there will be any correlation. Conclusion: This research shows that there is no possibility that the macro-variable factors can benefit an investment on high-risk fund or on mutual-index fund in the short run.

The purpose of this bachelor-thesis is to investigate the possible effects of lease accounting on the estimation of bankruptcy. This is done by estimating the risk via prediction models based on accounting ratios for a sample of 43 listed firms in Sweden. Estimation is conducted twice for each firm, once base on unadjusted data as it is presented in the annual report of 2012, and one with data adjusted for operational leases (that is data is treated as if all leases present were to have been reported as financial leases). In the next step it is tested weather the predictive ability of the models is affected by this adjustment or not. For this purpose translation of bankruptcy risk into synthetic credit ratings via interest coverage ratios is done.