Asset management in insurance companies differs from conventional asset management to the extent that respect has to be taken to both assets and the commitments the insurance company has towards its customers. A model that has proven to fit well regarding the matching of assets and liabilities is the Asset Liability Management Model (ALM model). In addition to the matching in the balance sheet, the ALM model can be used in a company's work with strategic portfolio allocation by applying it as a basis for analyzing investment strategies with expected risk and return. From this, the ALM model also becomes relevant for calculating key figures according to the legal framework Solvens II which includes laws and regulations regarding the demands on economical strength (solvens) of insurance companies.Hence, the goal of this masters thesis has been to, on behalf of Bliwa Livförsäkring, create an ALM model to support the asset management department of Bliwa in their work with defining a credible way of analyzing the future risk and return of Bliwa's asset portfolio and insurance undertakings.The ALM model generally consist of four submodels, the scenario model, the liability model, the asset model and the company model, where the scenario model often is named as the core of the ALM model. The course of action has been to develop these submodels individually, with focus on the scenario model.

 ABSTRACTBackground: There are many studies of stretching and its effects on the body. Research shows that stretching can have both positive and negative effects on the body. Meantime there are no qualitative studies on stretching and how the opinion of stretching is among soccer players. Female soccer players are a group that is rapidly growing and that is injured to a great extent.Purpose: To describe stretching exercising female soccer players? opinion of stretching.Method: Ten stretching exercising female soccer players over fifteen years of age from two teams were interviewed in a semi-structured interview.

My objective for this project was to create a short but thrilling 2D-animation intended as promotion for an online comic book. The purpose of the project was to learn more about animation and graphics, to further my artistic skills and to learn how to work in Adobe After Effects. I also wanted to learn more about scheduling, project methods and how to handle stress. During the ten weeks of the project I have created the story, the storyboard, the character design, the backgrounds and the animation. The voice over was recorded with the help of a fellow student who also made the music and the sound effects.

Syftet med den här kandidatuppsatsen har varit att studera vilken legal status tentamen och tentamensvar samt elev- och studentbetyg har i svensk rättstillämpning med hjälp av frågorna är tentamen och tentamensvar allmänna handlingar samt är elev- och studentbetyg allmänna handlingar? I uppsatsen har den traditionella juridiska metoden tillämpats. Utredningen visar att tentamen samt tentamensvaren av Kammarrätten i Stockholm definierats som offentliga allmänna handlingar först efter att tentamen slutförts, eftersom de omfattas av provsekretess. Av de rättsfall som redovisats i uppsatsen kan konstateras att betygsdokument de facto är allmänna handlingar. För friskolor gäller dock att betygen blir allmänna handlingar först när betygen når kommunen..

Background; Gynecological cancer is a common term for cancer in the female genitals and 2013 there were about 2800 women in Sweden that was diagnosed. This form of cancer and the treatment that is used, affects the sexuality and also the fertility of the women.Aim; The purpose with the essay was to illustrate the experience of the sexuality after the treatment of gynecological cancer.Method; The method used in the essay was a systematic translation of different literature. Of all the articles used there were eight that was qualitative, two quantitative and one was a combination of both methods. The analytic process was accomplish with the support of the Friberg (2006) analytic method.Results; The analysis resulted in two categories; Physical changes after the treatment and the treatments impact on the sexuality of the women. The physical changes that occurred because of the treatment was recurring and it showed that it was primarily surgery that hurt the woman body.

This thesis examines the effects of electricity visualization in an office building. The subject was investigated through the creation of a web based visualization tool that was made accessible to the about 1500 employees in a large office building. The visualization was available for three weeks. During this period interviews, user studies and observations took place in order to evaluate what, if any, effects the visualization had on the attitudes and behaviors in the office. Electricity use data was collected and analyzed to see if the project had a statistically significant effect on the electricity consumption in the office.The results from the interviews and the data analysis indicate that no reduction in electricity consumption took place, and a number of factors that could increase the chances of success were identified.

The purpose of this paper is to critically examine and question the use of mindfulness in the workplace. Mindfulness in the workplace can be understood as an organization recipe and is now a so called trend. We believe that there may be an issue of how mindfulness at work is advertised when it is described in such a way that it could be the solution to many organizational problems, such as reducing stress, increasing efficiency, creativity and productivity. To get a better understanding of what mindfulness is and what it can bring to a stressful work, we conducted semi-structured interviews with four mindfulness instructors. We analyzed the interviews from a theoretical analytical framework consisting of both a constructivist perspective and a power perspective.

Background: Atopic eczema has increased in the last decade among children. The nurse can have a major role to prevent the disease. Aim: the aim of this study as to describe the nurses´ work in primary care with prevention to families with atopi with focus on atopic eczema among children. Method: A literature review based on analysis of fifteen scientific articles was done. Results: If the child was breastfed both positive and negative effects were evident.

Att söka hjälp via allmänheten för att lösa problem har historiskt sett använts sedan länge,men först 2006 myntades begreppet crowdsourcing. Crowdsourcing är en modell där företagpublicerar problem som allmänheten erbjuds lösa. Att utnyttja allmänheten på kunskapenden besitter torde betyda att ?massans? förslag kommer att vara åtminstone lika bra ? ominte bättre ? som den enskilde individens förslag. Tidigare forskning har fokuserat påområdet från en organisatorisk samt individuell nivå.

The purpose of this essay is to investigate if the companies listed on Nasdaq/OMX Stockholm Large Cap use the earnings management phenomenon Big Bath Accounting to a greater extent when a change of management (CEO) is made.Management tends to use earnings management when there is a bonus plan linked to the result of the company. To gain maximum bonus the management will try to manipulate the result in a way that in a long term maximize their utility. Through the earnings management technique Big Bath the management is given the possibility to take one large cost as a one-time expend, even though the cost is supposed to run over several financial years. This, of course, within the legal framework. A big bath may occur when there is an impairment of goodwill, tangible and/or intangible assets or larger provisions for future expense, or both of them at the same time..

Research shows that almost 30 per cent men and 20 per cent women at the age of 16-24 in Sweden download music on a regular basis instead of buying records. Thanks to modern technologies teenagers of today have become used to downloading music illegally from theInternet. Even though legal alternatives, such as Spotify, have become popular, the behavior of illegal download of music still persists. What do record companies do to prevent this phenomenon and why do they go to such length to stop this widespread movement? The question is, why is illegal download of music a problem ? and for whom? To investigate this I?ve read books about the subject, analyzed web pages of alternative record companies and interviewed a drummer in a local band.

When drivers overnight in the truck lots of electric energy is consumed by heaters, fans, lights and other extra equipment. If the engine is not running, this energy is taken from the lead/acid batteries of the truck which then needs to be recharged during operating hours. The fact that the charge acceptance of the lead/acid batteries is dependent on the temperature makes it hard to fully recharge the batteries at lower temperatures. A negative charge balance can lead to starting problems within a few days use in cold climate.In this thesis work, the effects of different battery charging concept are evaluated on the most common Scania battery (175Ah). A battery model is implemented in Matlab and some simulations of charging are made.

The background of the study consists of the fact that knowledge about how eating disorders are developed and maintained is extensive. Socio-cultural factors and media influence when developing an eating disorder is of significance. When reviewing literature and previous research, knowledge about practical attainments when treating eating disorders are insufficient. The aim of the study was therefore to examine how staff who treats eating disordered patients think about body ideals, strive for success and media influence in treatment and rehabilitation. The theory consists of Foucault?s theory of power, how beauty ideals are dependent of the cultural context in which we live and what qualities are associated with beauty and body ideals.

Forest management contributes to the changes in forest structure by turning heterogenous forests of varied age into homogenous forests of similar age and thus affect bird species depending on different structures or habitats which are lost during forestry. In this report, a study was made to investigate how the amount of decidious trees, dead wood and variation in tree diameter affect bird diversity. The purpose of this study was to be able to give forest management guidelines to increase bird diversity. This study was conducted by investigating 65 transects in forests of different structure south of Linköping, Sweden. Along the 65 transects, birds were inventoried as well as the vegetation.

This study is about how students view the effects teachers have on their self-esteem and self-confidence. The theoretical background covers the consequences of success and failures, and the interaction between students and teachers, in regards of self-esteem and self-confidence. The purpose of the study was to examine what had in-fluenced the students? self-esteem and self-confidence in the interaction with teachers. To reach the goal of the study, several qualitative interviews were made with the following questions as base:? Which factors does the student consider to be of importance for their self-esteem and self-confidence in the interaction with teachers?? How does the student feel that these factors were affected concerning their self-esteem and self-confidence?During the analysis and systematization of the transcribed interviews, five factors emerged that effects self-esteem and self-confidence.