Banks are an important institution for the economy of a society. During the later years the world of banking has changed. Several new actors have entered the market and taken over traditional bankservices as well as new ones. The way of conducting banking has changed with the event of new technology. One of the banks customer segments, the students have also been under a change.

Glulam?s position at the Swedish market for building constructions has been established over the past decades. Factors affecting glulam demand are found both in global and national contexts as well in customer attitudes and knowledge of the material. Arguments for environmentally friendly and sustainable construction processes and energy-efficient designs are nowadays common, which is something that should motivate increased usage of wood as a renewable material. For the glulam industry to increase its sales, improve profitability and thereby gain market share in present competitive climate, reliable market information and updated market intelligence is required.

The grain market is facing substantial changes. Tradionally, cereal has been a supply-led market i.e. supply conditions have had a major impact on price level or indirectly, through market interventions implemented through the Common Agriculture Policy (CAP). Just a few years ago, Sweden and the EU were not affected so strongly by world market prices for cereals. EU was a surplus-area and to a substantial degree a local market.

This thesis discusses main problems associated with dictionary-based Cross-Language Information Retrieval as lexical and translational ambiguity of query terms, translation of compounds and phrases, dictionary limitation. The purpose of the study is to investigate how query structure influences the effectiveness of CLIR regarding performance of three query types: original query, unstructured query and structured query. Query structuring refers to the application of #syn-operator to group query terms. The study comprises an experiment that was performed in the InQuery IR system with TrecUta database that contains 550,000 news articles from different American newspapers. 24 topics were used for the experiment.

Background: Since the early 60?s, the CAPM or Capital Asset Pricing Model, has been an invaluable tool for assessing an asset's expected return, assuming that the asset is added to an already well-diversified portfolio of assets. CAPM theory assume that the unsystematic risk can be diversified and that the systematic, market-specific, risk is determined by the Beta value, from the Greek ?. An investor who takes big risks expect higher returns.One of the CAPM?s basic assumptions is that disruption in the market is not taken into account.

The aim of this paper is to examine the youth library PUNKTmedis' work methods to adapt itself to the youth. Improved communication with this user group is the starting point for the new work methods. We have chosen to view the increased cooperation between the library and the youth as an adjustment to market demands. We have noticed the possible existence of an antagonism between on the one hand the traditional role of the public library of adult education and on the other hand an adjustment to the market demands. Adult education and the adjustment to market demands is seen as contributing to the image of PUNKTmedis.

There is much literature covering strategic change under different circumstances but very little concerning how companies act strategically under sudden and radical changes to market conditions. Based on three different events (the terrorist attack in the USA September 11th 2001, the Tjernobyl accident April 26th 1986 and the Islamic revolution in Iran 1979) with such radical changes as a result we chose three companies that were affected (SAS, Asea Atom and Atlas Copco). The result of the events that were studied in this thesis is extremely unusual to their character. The events themselves were sudden and of a temporary nature but the results were long term changes of market conditions. Through personal interviews the authors have tried to establish how the companies have perceived the events and how the top management has strategically handled the situation.

Background: The situation for Swedish agricultural production today is characterized by an increased competition, particularly after the country joined the European Union. Swedish agricultural production laws guarantee safe, high quality foodstuffs. However, due to these strict laws, Swedish farmers face higher production costs than their competitors. Meanwhile, cheaper imported goods compete freely on the Swedish market. Swedish agricultural production must find new ways to survive in the increasing competition.

Question:"Does the market possess perfect information as the efficient market hypothesis says?""Is there any significant relationship between the abnormal stock return on the ex ? day and the dividend?" Purpose: The purpose of this study is to enlighten and find understanding about stock return versus dividend on the ex ? day and try to figure out if abnormal returns occur on the portfolio during dividends.Methodology:The study was based in a quantitative nature and was derived with an event study and a hypothesis testing. The authors investigated the thirty most traded shares on the Stockholm stock exchange during a period of five years (2005 ? 2009). They were analyzed during a total of nine days; the estimation window was set to sixty days.

How can former military area I5 in Östersund, Sweden, evolve into Stadsdel Norr ("The Northern Quarter") ? an attractive part of the town center? In a theoretical part of the essay the significants of well functioning towns and streets are investigated. The history of Östersund and I5 is shortly reviewed. Present recommendations concerning city design are presented along with guidelines from Vägverket (National Road Administration) for urban streets. The conclusion reached is that a fundamental structure of streets and roads, public and private spaces, is crucial for the possible future development of an area.

Svenska Lantchips is a Swedish SME sized snack manufacturer. Being a small, medium sized, family-owned business with branches throughout the world, they make an interesting company for a case study. The case study I have conducted focuses on the internationalisation process of this family owned company ? how they, despite their size, find ways to keep up an unique business structure, designed for internationalisation.The aim of this essay is to compare Svenska Lantchips? internationalisation process with traditional internationalisation theories and see if these are compatible with this company. The theories used are The Uppsala Model, The Network Model, and The Born Global Theory, with The Born Global Theory representing the younger generation of models.After undertaking an in-depth interview with Michael Hansen, business developer at Svenska Lantchips, I collated a substantial amount of material, which I have used as the basis of this essay.

The purpose of this project is to survey the presence of folk expressions, i.e. proverbs, proverbial expressions, wellerisms and familiar expressions, in some of the realistic children?s books by Astrid Lindgren. The purpose also includes the study of the contextual and pragmatic functions of the expressions as well as how the expressions are integrated into the text by the change of the formulaic standard structure. The contextual and pragmatic function concern when, how and why the expressions are used and who the users of the expressions are.

The Swedish stock-market gives investors an opportunity to benefit from the global growth while financing companies invests and contributes to a socio-economic development. Parallel to the ownership of the funds also follows a responsibility as companies in the funds affect society and the environment. The growth of savings in funds, combined with an increased focus on sustainability has developed SRI (socially responsible investment). Therefore it is interesting to examine whether responsibility is an exception, which only concerns SRI-funds or a general principle, which includes the whole Swedish stock-market.The results of the survey makes it clear that all the Swedish major banks actively works to integrate sustainability within the respective bank's business to achieve a more sustainable financial system. Thus concludes the investigation that responsible investments are a general principle on the Swedish mutual stock-market.How responsibility is integrated in fund management differ between the banks.

The flexibility of the labour market is considered as an instrument for increasing economic growth.Therefore has the use of flexible employment, also called atypical employment, increased. The atypical employment is characterized by insecurity in comparison with a traditional permanent full- time employment. One of the most common atypical employments is the manning employment, which is insecure whether it is permanent or not. The insecurity in the industry is based on insecure income, unpredictable working hours and poor psychosocial work environment.In order to encourage a continued increase of flexibility in the labour market while the need for security for staffing employees would be satisfied was Directive 2008:104 adopted. A certain amount of security has been achieved.

BackgroundHandover occurs as a daily task for health care professionals in all levels of care. Handover between ambulance crew and emergency department staff stands for the first exchange of information about a patient?s condition. Different factors may impact the handover communication and make it vulnerable.AimThe aim is to highlight factors of importance at handover between the ambulance and emergency room.MethodA literature review of thirteen studies with qualitative and quantitative research approach. The purpose of this literature review was to provide an overview of the area.ResultsExperiences for health care professionals is that communication is important for patient handover between ambulance and emergency department.