Since the middle of the 1980´s the Swedish bank market has experienced a change concerning structure and pressure of competition. Before the year 1985, the market was characterized as a market with few operators but have changed to a market with many operators and seen as one of the most intense in Europe where the four major banks; Nordea, Handelsbanken, SEB and Föreningssparbanken together have a strong position. Their market share has recently decreased, mostly for the benefit of foreign banks and niche banks. The Swedish market has experienced difficulties in generating profits which mostly depends on new establishments that have increased the pressure on competition, a low growth as well as weakened customer relations. The development has resulted in a growing importance of market segmentation, mainly by the fact that costumers have become more disloyal as a result of the increased competition.Students are a market segment of interest for the financial market, mainly because of the expectations of their positive financial situation in the future.

This work aims to obtain information on diurnal variations of aerosol concentrations in thecity of Lund (Sweden) and trying to locate the origin of the aerosols long distance transports.The study shows that the aerosol concentrations varied quit strongly over the entiremeasurement period, reflecting air masses of different degrees of pollution, mainly as a resultof the diurnal rhythm of the traffics. Trajectories reveals that air masses originated inSoutheastern and Eastern Europe contains higher aerosol concentrations compared to other airmasses..

Today's climate and environmental issues have now been up for discussion for quite long. Various environmental measures have been taken, but it is not always certain that those measures actually are for the better because of the complexity of our environment. Therefore, studies of whole life cycles are very important even if they are time and resource intensive.Real estate accounts for 15% of global carbon emissions, but also affects our environment in many other aspects. In Sweden this number is even higher. About 30 % of its carbon dioxide emissions originates from building sector and changes are therefore of great importance.

Background: The majority of nurses experience work relatedstress, which can lead to a negative impact on patient care. Thestress can be handled by coping strategies. Aim: To illuminatecoping strategies among nurses experiencing work relatedstress. Method: The study has been accomplished as aliterature study, with a systematic review of scientific articles.Findings: Following coping strategies appeared: problemsolving, long-term strategies, passive strategies, leisurestrategies, social support and mental strategies. Conclusion:Awareness of coping strategies for dealing with work relatedstress, can lead to improvement in patient care..

The purpose of this study was to examine experienced family counselors view regarding the concept of conflict avoidance in couple relationships. Twelve family counselors working in different parts of Sweden was interviewed using a semi-structured interview guide. They were asked to reflect on the following: their description of the concept of conflict avoidance, the consequences of conflict avoidance in couple relationship, gender differences and their own view on how to create conditions for constructive, therapeutic work in this respect.The result shows that the fear of conflicts, difficulty in expressing needs, different perceptions and expectations together with a difficulty to negotiate about differences, creates a lack of emotional and physical contact together with an absence of dialogue. The consequences of this in the long-term, a majority of the respondents perceived, are feelings of anger, resignation, powerlessness and unhappiness..

Today's climate and environmental issues have now been up for discussion for quite long. Various environmental measures have been taken, but it is not always certain that those measures actually are for the better because of the complexity of our environment. Therefore, studies of whole life cycles are very important even if they are time and resource intensive.Real estate accounts for 15% of global carbon emissions, but also affects our environment in many other aspects. In Sweden this number is even higher. About 30 % of its carbon dioxide emissions originates from building sector and changes are therefore of great importance.

In the recent years auditing scandals all around the world, deficient internal control has attracted a lot of attention. This has contributed to further requirements on insight and internal control. Those scandals have seriously damaged the auditor?s profession and contributed to a reduced trust among the public. Therefore an extensive work to recover and stringed the trust was started all around the world.

Title: The way to successLevel: Final assignment for a Master?s Degree in Business AdministrationAuthors: Larisa Glazkova and Veronika LarssonSupervisor: Jonas KågströmDate: 2011 ? JanuaryAim: Many companies are started each year, but only some of them are successful and generate worthwhile profits. Many new companies do not survive the first few years. The purpose of this thesis is to identify factors that can lead to success for small and medium-sized enterprises in Gästrikland.Method: We analysed 559 interview surveys that were collected during the years 2004-2010 and success factors were defined. Additionally, financial reports from the database Retriever were analysed.

The manor Fållnäs gård is situated at the northern end of the bay Fållnäsviken, c. 12 km north-west of Nynäshamn, Sweden. A 300 cm long sediment core collected in the bay has been analyzed regarding pollen stratigraphy. AMS 14C dating of terrestrial macrofossils indicates that the sequence covers the last c. 5400 years.The aim has been to study vegetational changes, especially human impact, in the surroundings of Fållnäs gård.

Texo Application has created robots that they call for satellites; with these you can feed in storage pallets into a satellite storage. Satellite storages consist of channels in height (e.g.3 to 8 pieces) and width (e.g.3 to 100 pieces). Channels can be different long (e.g. 5 to 200 pallets). At deposit of a storage pallet the truck insert the satellite in a channel and then the pallet, the pallet is driven into the channel until it reaches another pallet or the other end.

Marks do not only work as an acknowledge of the effort that has been made under a long period of time, but also as a receipt for eligibility to further studies. Within the political debate, marks have often caused a big discussion among the political parties. That is due to the obvious difference between the political parties on the left, and their counterparts on the right. However, there is one thing that they all have in common. Everyone of them have plans of measure within their political agenda, regarding the use of marks.The aim of this study has been to try to understand the way pupils think about marks.

Bakgrund: Palliativ hemsjukvård är en växande vårdform i Sverige som ställer höga krav på involveringen av anhöriga. De anhöriga inom palliativ hemsjukvård befinner sig i en utsatt och omvälvande situation där vårdbördan kan upplevas mycket stor. Stödet från vården har en stor del i hur de anhöriga upplever situationen och ifall den sjuke kan erhålla vård i sitt hem. För att vården ska kunna stödja de anhöriga på ett lämpligt sätt krävs insyn i hur de anhöriga upplever sin situation.Syfte: Att beskriva anhörigas upplevelse av att ha en svårt sjuk närstående som vårdas med palliativ hemsjukvård.Metod: En litteraturstudie baserad på åtta kvalitativa studier publicerade mellan år 2002-2010. Använda databaser är CINAHL, PubMed, Academic Search Premier samt Nursing & Allied Health Source.

Background: Various follow-up studies show that there are deficiencies in the care of patients affected by stroke. In order to provide good care according to the National Board of health and welfare and national guidelines for stroke care systematic quality audits need to be carried out.Purpose: To investigate if the local guidelines for stroke care in Örebro County are followed and to explore how people with stroke experience care and rehabilitation in hospital, primary care and community.Method: Primary health care records were reviewed using quality indicators in the local stroke guidelines. Samples of patients were obtained from the County´s three hospitals. Differences between men and women, younger and older, were analysed with chi-squared test. Eleven people were interviewed about their experiences of care, rehabilitation, support and participation.

This paper investigates the automatic stabilizer and the underlying factors behind its function. The paper includes both a literature review and an empirical analysis. The literature review discusses the IS-LM and Mundell-Fleming models and different ways to quantify the automatic stabilizer. Based on the theory, the relationship between volatility in GDP and the size of the automatic stabilizers is then analyzed with the help of regressions. Our main result shows a negative relation between these two variables.

Background: Investors have several options to choose from when the goal is to achieve the highest yield at the lowest cost and risk. Stocks are a common investment options, but is also associated with risks. Portfolios are usually constructed with several different assets to reduce the unsystematic risk of investment. Funds are similar to composite stock portfolios, the big difference is that they dealt with in their entirety and investors may not affect the fund's content. The problem remains that whether you choose stocks or mutual funds there is still uncertainty as to how the future will unfold.