The retail banking market in Sweden is highly concentrated and oligopolistic. This has been confirmed by numerous reports from different competition authorities within the EU, for example the Swedish competition authority. A considerably high number of different sorts of competition barriers has been pointed out in these reports. The competition barriers are mainly directed to the smaller banks and the potential competition. The retail banking market in Sweden is dominated by four major banks, which together has over 80 percent of all market shares.

Recent years there has been discussed how the critical situation in the housing market threatens the Stockholm region's growth. The thesis objective is to examine whether there is a scientific link between the lack of housing supply and growth. The thesis also intends to identify solutions for increased housing construction, for instance by examining the conditions for a greater regional perspective and influence on the region's housing supply. The thesis empirical study is based on semi-structured interviews with representatives from the Government, municipalities and the housing industry.In Sweden, research on the relationship between housing shortages and growth has not been conducted to that extent it can be said to exist scientific evidence regarding the growth threat. However, in Britain and the U.S, empirical studies show that a lack of housing supply has hindered growth through negative impact on countries' gross domestic product.

Master thesis studying the use of multimedia on CD-ROM in a library setting by analysis ofqualitative interviews with nineteen persons.The thesis relates the study to some relevant issues in human-computer interface (HCI) researchand to the commercial market for multimedia CD-ROM products. Three main types ofuse were described by the persons interviewed: recreational, information seeking and usingmultimedia to learn more about using computers. Children and young people interviewed mademost use of the multimedia provided, whereas adults thought it to be less valuable as a sourceof knowledge for them personally.HCI research shows various results of using multimedia for educational purposes. Thecommercial market is dominated by American products which can have a negative effect onthe use of multimedia in Swedish public libraries..

The study presented here is about how to make the special needs user who has a profound intellectual disability and additional disabilities more involved in their implementation plan. Based on a life story interview the study aims at analyzing perceptions of procedures to enhance special needs users? influence. The method used in this study was a qualitative research approach as an overall approach in order to use a narrative method where life history is the method. The focus has been to study a part of an individual life history - a specific domain in the life of the interviewee?s working career.

ABSTRACTTITLE The investors guide to hedge fund strategies ? A comparing study of hedge fund strategies on the Swedish market.COURSE Bachelor Thesis in Finance KEYWORDS Hedge funds, Hedge fund strategies, Swedish hedge fund market, Investors, Average return, Riskadjusted returnThe ThesisInvestor?s general knowledge about hedge funds and hedge fund strategies, is compared to other investment alternatives low. The purpose of this thesis is therefore to clarify to investors how examined hedge fund strategies separate concerning risk and return in hedge funds. This, in order to facilitate for investors understanding which hedge fund strategy will be more suitable for them. To achieve this, the thesis is mainly focusing on quantitative data, which is complemented with qualitative findings in terms of a questionnaire.

The exposed position of a social worker entails serious demands to their working environment. The experience of the working environment is coherent with various circumstances such as physical, technical and psychosocial factors. The aim of this study is to investigate how social workers in Gotland experience their psychosocial working environment. As a theoretical ground we describe the working environment regulations and it´s framework. Previous national and international research enlighten issues such as definitions of threat and violence, the significance of education and policys within social work, social support and riskfactors.

With increased globalization more companies are sending their employees abroad in order for the company?s survival on the market. Many studies in the field of International Business describe unsuccessful foreign assignments and the importance of intercultural support regarding expatriation. Due to the fact that company X is an international organization we found an interest in studying how the company handles their expatriation process in Sweden. This became the purpose of our study.

Tolerance and resistance are two different defence mechanisms within the immune system that differ from each other in many ways: However it is not clear which of the two is the most advantageous in dairy production. Resistance is described as the ability to fight a pathogen in a host. Tolerance is, on the other hand, not aggressive to the pathogen per se, but rather protects the host and its tissues. Furthermore tolerance rather offsets the toxin from, for example, a parasite whilst resistance offsets the parasite itself. Resistance is however disease specific, which means breeding for a large number of diseases is needed in order to make resistance worth the cost for the host.

Intelligent IT-based solutions, often called Smart Grids, are considered to be the future balancers of renewable energy sources. One area within the Smart Grid concept is called demand response, which is focused on making customers more consumption flexible by making them more active in their consumption. In this thesis the aim is to analyze a business model by investigating the income potential for a demand response solution as well as its market potential. This has been done through literature studies, interviews and development of a computational model.The use of 5000 households with flexible consumption can provide a cost reduction of 17.2% or 2.4 million SEK for a balance responsible party during an average year. If the solution is used to make strategic bids on the regulation markets the study indicates that the largest potential for revenues lies within this strategy.

Abstract This Concept Analysis according to Walker & Avant (1995) studies the concept of uncertainty in the nursing context. It consists of four parts where uncertainty in general have been encircled in a semantic analysis (part one) and a qualitative content analysis consisting of an questionnaire, distributed to the staff members at one nursing and medicine institution, with an open question about the meaning of uncertainty (part two). The third part is a literature study of the nursing context to find out how uncertainty is described (part three). Part four is the actual concept analysis based on the three first parts. Uncertainty in the nursing context is an individual conscious experience witch is changeable and impressionable. It is chained together with its antecendents and consequences.

Work gets more seamless and the demand on workers increases because of changes in the labour market. Studies show benefits for workers and companies if the employee achieves a balance between work and family, a way to facilitate it is family-friendly policies. A study done by Unionen shows that three out of four white collar workers choose to vobba (working and caring for a sick child), which blurs the boundaries between work and family. Research on flexibility, organisational culture and gender structures shows how these aspects affect the balance between work and family. This is a study where seven white collar workers (three men) that vobbar and two managers (one man) were interviewed.

Title: Information storage - A growing problem? Authors: Göran Svanhall Pär Truedsson Erik Ponnert Tutor: Bengt Carlsson Problem: Every day companies, regardless of size, produces new information that needs to be stored. In the information society of today, the characteristics of the information changes both in size and complexity. This results in higher demands on which storage solution that suits the company and their field of business. New and more innovating storage solutions enters the market, but are they necessary to smaller companies of development active in the IT society? Questions to Answer: Is data storage a growing problem for companies of development active in the IT society? How do traditional storage solutions manage the information growth of today? How urgent is the need of a new storage solution? Which features are prioritized in the future storage solution? Method: By performing a quantitative survey we delivered an inquiry to several companies, which answers will help us answering our above mentioned questions.

The purpose of this study has been to examine and analyze school counselors? experience of collaboration with other professions in the student health team and the preconditions for their work. The study is based on qualitative semi-structured interviews with six elementary-, and two high school student counselors in a medium-sized town in Sweden. The theoretical approach being used is: role theory, theory of professions and theory about collaboration. The study´s result shows that the school counselors? experience an unclarity in their job assignments and their role is often described as diffuse and vauge.

Executive summaryOn todays fashion market, no product will become successful without branding. The competition in the growing fashion market is tuff, which makes it hard to reach the target costumers. Competition makes it difficult to reach out with a message and it is crucial to differentiate the company in the consumer market.Differentiation of the brand requires knowledge of competitors who are on the market. Understanding competitors, as well as the customer, is the basis for a well functioning communication. Different markets have different conditions and today's global market is complex.

Many social services cases have been reviewed in the media during the last years. One of those cases is ?Lasse and Karin?, handled by the Social Services in Oskarshamn in 2002. Lasse and Karin had their son taken into custody by the Social Services and the case was reviewed in national media. Through this case the Social Services received much attention, of which most was negative, and their handling of the case was greatly criticized.