The retail banks are usually looked upon as conservative. Since the launch of internet banks in the 90's they have not developed much. Meanwhile the internet is developing in a fast pace and social websites are increasing in popularity. The purpose of this essay was to investigate how internet banking will develop in the near future based on interviews, literature and trend studies. With web 2.0 techniques the internet bank could develop to help the costumers take more informed decisions regarding their economic situation.

This work has been made in cooperation with the municipality of Eslöv and the inventory area is a part of the deepening of the municipality plan of east Eslöv. The aim of the work is to test the principle of balance in the overall planning. Later in the detailed planning process a more detailed calculation is made and a suggestion of suitable measures for compensation is made. Then the method with green area factors can be used. The goal is to balance the negative influence on the environment from the planned impacts to gain a sustainable development of the city. The principle of balance means that the one responsible for the development also has to compensate for the negative impacts on nature and landscape that comes with the development.

The biodiversity of the Swedish forest has degenerated since the beginning of the 19th century when fire suppression and large scale logging first occurred. Together with a changed land use, these actions today have had a negative influence on many forest dwelling species, due to gradual reduction of natural processes, successions and different structures from the forest ecosystem. The Swedish Forest Act, together with different environment certifications, have today encouraged private persons and forest companies, among them Holmen Skog, to work actively to improve nature conservation. The aim of this study was to, by field inventories of already existing nature values, literature studies, recommendations from scientific reports and ecological gap analysis as a basis, make a management plan, for a non-production area, to conserve or improve the prerequisites for biodiversity. ?Storskogsberget? is located in the coastal area of Västerbotten County, 35 km from the city of Umeå.

Environmental subsidies are used as incitements to farmers for development of sustainable land use. In 2014, applications for funding constructed wetlands were not available. This paper examines the environmental consequences of this lack of funding in one intensively cultivated region Skåne län, southern Sweden.A review of wetland applications between year 2007-2013 show that the average rate of applications has been 31 projects per year with a wetland size of 4,48 ± 1,61ha per project (mean±95% CI). Based on interviews, the result suggests that the lack of funding in one year leads to between 102 and 140 ha of constructed wetlands that is not built. This correspond to a total loss of increased nitrogen retention capacity between 6,0 and 91,7 tons/year and a loss of increased phosphorus retention capacity between 0,17and 2,1 tons/year in the drainage basins of Skåne.Further the interviews show that continuity of environmental regulations and funding is important for the farmers? interest in environmental measures.It is concluded that the total loss of increased retention capacity is small compared to the annual transport of nitrogen and phosphorus in the drainage basins.

All companies face risk in their daily business. Internationalised companies tend to experience higher risk due to for example unfamiliar business environment than companies that act only on the national market. Estonia became independent as late as in 1991 and is therefore a new interesting market for many companies in neighbouring countries like Sweden. Risks that are most apparent for an internationalised company are political risk, currency risk, capital and interest rate risk, business risk and credit risk. Our intention of this study was to find out how Swedish companies acting on the Estonian market faced the different risks when entering the Estonian market and how they value the risks today.

AbstractThis study is based on qualitative interviews with five-year-old children from a nursery school and two teachers with great experience. The purpose with the interviews is to find out what knowledge these children have about the Right of Common and what the teachers think they need to find this knowledge.The children didn't know what the word Right of Common stands for but when they got more concrete alternatives they had good experiences. The two teachers had different opinions about what is the most important concerning the stays in the nature. Exercise meant a lot for one teacher. To have fun and to use all your senses were more important for the other one.

The purpose of this study is to examine what motivates people to help others at risk to themselves. The focus is on international aid workers, which in their work put themselves in situations of risk. Earlier research shows that international aid work involves risks such as infectious diseases, violence, death threats, assaults, constant insecurity and risk to be traumatized etc. There is not much research done on what motivates to help others in spite of risks, hence we find this an interesting area. We have interviewed six respondents about the content and character of their motivation and factors that are important for the maintenance and development of this motivation.

This study is grounded in an interest in the Swedish Upper Secondary Schools? role as an educator of democratic citizens, with a specific interest in the moral and cognitive development of Upper Secondary School students. Development in these two areas is treated as results of citizenship education.The purpose of the study is to examine moral and cognitive development of students in Upper Secondary School to see if there are any structural differences to be found between the Upper Secondary School programs that are vocationally oriented and the programs that are preparing for further studies on higher levels ? since these differences have been both theoretically and empirically implied. The study is based on an enhanced version of Lawrence Kohlberg?s stages of moral development (with teachers? evaluations of students? capacity as a reference point of the students? actual level of moral development) as well as on Kieran Egan?s theory of development through the use of cognitive tools (as seen in five different ?shapes of understanding?).

Previous research about contextual effects on advertising has mainly focused on the editorial context, while advertisements' broader context has been overlooked. This paper aims to take a broader perspective on advertisement context. Its purpose is to get an understanding on how physical exercise influence the effectiveness of print advertisements, and furthermore to look at the effects of thematic incongruence between ad and the physical environment. We hypothesize that physical exercise increase ad effectiveness through affective priming and that thematic incongruence is beneficial for ads' effectiveness, especially after training when awareness about the environment is higher. A 2×2 experiment was conducted in a gym, where each respondent was exposed to either an incongruent or less incongruent ad, before or after physical exercise.

Abstract Youths and adolescents have for a long period of time, and at a high degree, beenabsent from the party political stage. The causes for this have been discussed inthis essay through a quantitative survey made in an upper secondary school class,consisting of some 19 subjects in the municipality of Kalmar. Tied together withrelevant literature and discourse on the subject, the essay has dealt with thepossible societal-, system- and individual barriers for political interest andinvolvement. Central questions for this essay has been for instance; age, gender,social background, geographical domicile, as well as the decline of ideology, theforms of current party politics, political interest, political engagement and soforth. The concluding remarks contain not only a mix of these barriers existing,not exclusively, for young and adolescents but different ground for them as well.On the one hand, there exist barriers which exclude youth from the conventionalpolitical life, but on the other, the more individualised youth of today, prefer to agreater extent not to participate under the conventional circumstances that partypolitics has to offer.

There are currently 2160 buildings in Sweden that are protected by law with the designation as a cultural heritage building, which is the strongest protection that can be obtained for a building of cultural historic significance. The purpose of this thesis is to research how strong and sustainable the protection of such a designation is and how you can motivate a revocation. Furthermore, this thesis aims to give an overall insight into all cases where there has been a revocation.To achieve the protection of a designation as a cultural heritage building, the object has to be of outstanding interest on account of its cultural historic value. In the first part, this thesis gives a short historic background of the cultural heritage law and its terms, like outstanding interest and cultural historic value. The County Administrative Board's documents about revocation are the main source for this research.There have been 24 cases of revocation and the frequency of such cases has increased in the past ten years.

Bakgrund: Tidigare forskning visar att vistelse i natur kan bidra till förbättrad hälsa och att det finns ett samband mellan människors aktivitetsnivå, psykiska hälsa och tillgång till naturmiljöer. Idag startas allt fler verksamheter både inom privat företagande och inom offentlig regi där natur används som en resurs för hälsofrämjande och förebyggande arbete. Eftersom fenomenet är ganska nytt saknas beskrivningar av området. Syfte: Studiens syfte var att undersöka hur natur och hälsofrämjande arbete bedrivs av olika aktörer i Sverige. Metod: Kvalitativ ansats valdes som datainsamlingsmetod.

This thesis deals with the supranational organization of European trade unions. The European trade union movement is, via its umbrella organization the ETUC, an institutionalized social partner within the European Union. The ETUC is a very diverse organization with great potential of conflicting interest among its members. This thesis therefore seeks to explore the dynamics and interest heterogeneity of the ETUC. Drawing on previous research and literature it formulates a number of hypothesises to test what variables that influence the member organizations policy preferences (i.e.

Scientific research shows that humans regain their strength when they are spending time in nature. Ulrich, Kaplan & Kaplan, among others, has shown in their research that nature can reduce stress and decrease the after effects of stress. Lund University Hospital, USiL, is a big working place and has a large number of patients. To be a patient often means that you lose control of your daily life which could cause stress. For the personnel high workload can be a stress factor.

A great number of empirical researches show that hedging is associated with higher firm value, particularly hedging interest rate and exchange rate. However, there is no clear support for value-added risk management hypothesis in the case of producers of commodities. Moreover, according to Shrand and Unal (1997), there are two types of risks, core business risks (or core risk) and homogeneous risks (or non core risks), which are based on a firm's comparative advantages with respects to the source of risk. Firm can earn economic profits for bearing core risks in which it has a comparative information advantage. Firm earn a zero economic rents for bearing non-core risks, where it has no advantage information than its competitors.