Since 1996 the Swedish households have ten folded their volume of loans for own homes that is attached to a floating interest rate. Also in 1996 the Swedish electric market was deregulated. These two facts have increased the volatility in the household expenses for these two commodities. This thesis studies the risk for homeowners attached to the exposure against the electric and the credit market. The risk model used is Cost-at-Risk which is usually used by public authorities for analysing the risk involved with national debt.

This thesis treats lending figures of literature on religion at libraries in Vårgårda and Lerum.Formulated hypotheses are: The use of literature on religion is higher at the library in Vårgårdathan at the one in Lerum; In Lerum the most literature on religion is used by highly educatedpeople; Ethnic groups and librarians have an influence on the stock.The Christian literature has other patterns than other literature regarding selection criteria,reviews and distribution. The conclusions are: The fact that there are many members ofChurch and Chapel in Vårgårda, does reflect the number of loans of literature on religion in apositive way; Education does not influence, but distance between school and library; Thelibrarians' interest and therefore knowledge regarding religious topics has an impact on theirtreatment of religious books, while ethnic groups do not effect stock and use in either Vårgårdaor Lerum..

With a background in the 17th century?s English political events, but also the ideological scene of that time, the purpose of this essay is to analyze two concepts, freedom and happiness, in Thomas Hobbes?s political writings. Hobbes is well known for his political works, mostly for Leviathan, where his thoughts about government and religion are exposed. But what does he say about freedom? And what about happiness? The study shows that Hobbes?s political thought is quite original from this aspect too.

This study examines the effects of credit risk and information disclosure in the new bank regulating system Basel II on bank and bank customer. The effects are then discussed in a perspective of the economic man and information asymmetric theories. Furthermore is the Basel II effects on the capital adequacy of Andelsbanken för Åland examined.The approach of the study is qualitative and several interviews with individuals on different levels of the examined bank, Andelsbanken för Åland, have been carried out during the collecting of empirical facts about the effects of the regulating change from the Basel I system to Basel II.The research findings are as follows:Andelsbanken för Åland have increased its capital adequacy ratio from 12,7 percent to 14,4 percent, mostly due to lower risk weights on housing mortgages compared to Basel I. Andelsbanken för Åland have started to use a completely new credit risk and customer assessment system which classifies every customer and gives them a credit rating. The system cause a much heavier information gathering of the customers profile as well as a much better assessment of risk than the previous system, which the bank finds positive.

The aim of this study is to describe successful strategies to include children in free play activities at the preschool. The methods that pedagogues use to act and work with excluded children will be examined. To get answers to my questions I have conducted interviews with five pedagogues in four preschools. During interviews they mention two different approaches to encourage free play activity. One way was to participate and play along with the children.

The aim of this master's thesis is to describe the management of free Internet resources in three Swedish research libraries. With the starting point in the increased quantity and importance of these resources, together with reflections on the change of the concept of collection, the thesis shows how and to what extent these freely accessible Internet resources are being integrated in the day-to-day work with collection development. It also elucidates the problems with the free Internet resources from the research libraries points of view. The study is based upon analyses of collection management literature and qualitative interviews with librarians at the chosen libraries. The thesis shows that the research libraries still have not come very far in their work of integrating the free Internet resources in their collections.

The aim of the study is to describe how toddlers at pre-school interact with each other during the free play. The following research-questions have been chosen: In which ways are made visible when toddlers interact with each other during the free play? Which repeated patterns are there in toddler?s interaction with each other?The method that was used was observation. Implementing of observations happened during five days on a pre-school. Observations show that the interaction makes visible in various ways when it comes to toddlers, for example through observing, laughing and using the verbal communication.

To be able to research the chain of development and its causes within military doctrines you need to describe the change and categorize it to make it understandable.This essays intent is to categorize a phenomenon within the Swedish doctrine to make it available for further research about doctrinal development. The categories are found in two of the great theorists on guerrilla warfare due to the subjects? resemblance to guerrilla tactics and its means.The phenomenon that is to be researched is directly translated as ?the free war? which basically means the use of irregular warfare behind the enemy lines. The description of ?the free war?, by whom and when it is used, are the factors that have changed during the second half of the 20th century, and have therefore been placed into different categories.

Smoking is a health problem with a negative impact on virtually all body organs. Smoking can cause, for example, lung cancer, cancers in other organs and cardiovascular disease. There is also a social aspect of smoking. If individuals have many smokers in their environment, the risk to start smoking is increased, and for those who already smoke the chance of quitting will be less. Many municipalities today face smoke-free working to reduce smoking and passive smoking adverse effects.

The purpose of this thesis is to investigate respectability and the construction of ?free love? in Swedish feminist debater and playwright Frida Stéenhoff?s (1865?1945) drama Lejonets unge (1896). In 1897 the first production of the drama was set in the small town of Sundsvall in Sweden and caused a public storm be-cause of its plea for free love for both men and women.Through an intersectional perspective, where the axes of class, gender, sexual-ity, religion, nationality and age are central and with a starting point in Beverly Skegg?s concept ?respectability? I investigate how ?free love? is constructed in the drama. I also link the construction of ?free love? to the historical context of the debate concerning sexual morality and marriage which was intense in society and literature in Scandinavia in the late 19th century.In the drama the plea for ?free love? is created mainly through the character Saga Leire.

AimThe main aim of this study was to find out how teachers reflect on their work with developing pupils? interest towards mathematics in grade nine. As a teacher in mathematics, it is important to be aware of different views on interest towards mathematics and how it is possible to work in that direction. Since developing interest towards mathematics is written the in syllabus as criteria for teaching mathematics in grade nine, it is important to know and take an active role in finding ways to approach the issue.Main issues? How do teachers in grade nine reflect over their work with development of interest towards mathematics?? How are teachers? Beliefs Systems reflected in their work with interest?MethodThe main focus of this study was teachers? perspective on their own work on developing interest towards mathematics.

Den här studien använder Agency-teorin och Stewardship-teorin för att undersöka hur motiverande ett Resultatandelssystem (RS) är för de anställda på en mindre svensk bank. Mer specifikt så undersöks hur påtagliga så kallade Free rider-problem är och vilka bakomliggande orsaker som påverkar vikten av sådana problem. Detta bygger på en rent kvalitativ undersökning baserat på intervjuer med anställda på Leksand Sparbank. Resultaten visar att förekomsten av Free rider-problem inte är så vanlig som Agency-teorin antyder och att detta beror främst på att monetära belöningar inte är den primära motivatorn på banken. Resultaten visar också att RSet inte motiverar på det sätt som det är tänkt, RSet har dock en del andra positiva egenskaper..

Through interviews with children of ages 4-5 years old and by observing children children at play at three preschools with different types of outdoor surroundings, I have investigated if the preschools outdoor surroundings have any influences on the children´ choice of play. The hypothesis was that natural surroundings can entice children´s interest in nature being in it and play. I have also investigated if the children know why it is important to be outdoors and if they know it has a positive influence on their health.The result of my investigation is that the children play about the same games at the three different preschool gardens, but at the preschool with more natural surroundings, the children have more contact with plants and animals, and could learn of the different phenomena of nature by the preschool teacher answering their questions. Most of the children in the interviews know it´s useful to be outdoors and be on the move and get fresh air, but many of them thought it was most important to play. By being outdoors the children get exercise, fresh air, play and at the same time they establish an understanding of the nature and a healthier life..

Shanghai Waigaoqiao Free Trade Zone är geografiskt utmärkt placerad vid bedrivande av handel och utgör idag en internationell hub. Området har också tillgång till en god infrastruktur som ständigt förbättras. Waigaoqiao erbjuder sakkunniga konsulter och har ett starkt styrelsestöd. I framtiden då Free Trade Zones inte kommer att vara det enda valet för svenska företag som vill etablera sig i Kina, utan att behöva ingå joint ventures eller liknande avtal, kommer Waigaoqiaos handelsbefrämjande miljö att vara avgörande vid ett etableringsval i just det området. De skattefördelar och tullfördelar som idag existerar i Waigaoqiao kommer att försvinna när Kinas WTO-avtal i sin helhet träder i kraft.

There are over 100 banks in Sweden. Yet, most people tend to choose one of the top four banks and stay with them. Times are changing, however, and the growth of online-based self service solutions has increased the importance of attracting and retaining customers at an early age. SEB and Swedbank have addressed this issue by introducing bank bundles. Since most banks offer similar services, the packaging and framing of the bundles have become increasingly important.