Through certain exceptions in the Swedish regulation on credit agreements for consumers, a new form of instrument for credits has arisen on the national market. The instrument, which is most commonly known as easy credits and was first seen on the Swedish market for consumer credits in 2006, has developed to become part of a vast problem with excessive debt incursion. In order to counteract this development and to harmonise the internal market within the EU, directive 2008/48 EC on credit agreements for consumers was introduced in 2008. In Sweden, the implementation of the directive has led to a proposition for a new regulation on credit agreements for consumers (SFS 2009/10:242 Ny konsumentkreditlag) coming into effect on the 1 January 2011. The proposition puts up stricter rules on creditors granting consumer credits in their course of business, and revokes the former exemption on information and practices preliminary to the conclusion of the credit agreement for minor credits.

The intention of this study is to interview teachers in order to create a picture of how they look at their work with IUP (Plan of individual development). The main question formulated in my study is in what way IUP can become a contribution to the learner´s development. All teachers who participated in the interviews believe that the purpose of the document is to be proactive, developing and positive for the pupils. The teachers also believe that it is intended to serve as a clarification for pupils as well as teachers. It´s clear to see that the IUP generally is believed to be a supportive resource in education.

Detta projekt drevs på uppdrag av Optikbutiken som behövde en tjänst där mankunde betala sin order med hjälp av kreditkort på deras aktuella hemsida. Det härprojektet gick ut på att integrera DIBS vilket är ett betalsystem för kreditkort.Utvecklingen skedde i Visual Studio miljö. De krav som ställdes upp för det härprojektet blev uppfyllda..

In 2006 the government assigned the Council of Cultural Affairs the task of making an update, consisting of 50 literary titles, to be added to the existing list called Alla tiders klassiker ? en klassikerserie för skolan (All-time classics suited for school).      The idea of ??a literary canon can be considered to be a tool for transferring socially, historically and culturally constructed norms and values ??from one generation to the next in order to create and maintain a common frame of reference. The common frame of reference affect the individual's thoughts and actions as well as their sexual desires and their own perception of self as a sexual being.

Knowledge organization is perceived as a central, constituting activity defining the notion of libraries. Critique calling for a new theoretical foundation voiced by active researchers within library and information science concerning the current knowledge organization has been utilized as a point of departure. Specifications concerning a new theoretical foundation implied by these critiques are considered within this thesis and theory found in The Order of Things by Michel Foucault proposed as an alternative theory for understanding knowledge organization as a human science where meaning, value and representation, by which the ordering of things is possible, is acknowledged as a result of human activity and history. Thus meaning, value and representation must be perceived as dynamic. An example of implementation of the proposed theory has been achieved by the use of bibliometrics.

Sweden?s tourism increases and new hotel opens. Since 1978 to 2011, the hotel rooms in Sweden doubled. International congresses, sports- and artistic events are a few examples of what affects the hotel industry. Sweden is seen as an attractive destination and future forecast looks to have a positive trend.

From July 2005 on, the new Swedish Corporate Governance Code will be applied gradually by companies listed on the stock exchange or any authorized financial market in Sweden. The Code has been drawn up in order to clarify and to improve the self-regulation in Swedish companies. The need for codified self-regulation standards has been considered as urgent due to negative trends on the market such as the last few years? corporate scandals in domestic and international trade and industry. The sought-after consequence is to clarify the mission framework for corporate directors.Ch.

This study deals with the road freight sector's capital structure and how leases, loans and equity affect the ratios. The study is based on a ten-year period between 2000-2010 in Sweden. Investments in finance is a complex and interesting subject to study, there are many factors that can affect how the company best choose their investments when they have many great business investment the decisions plays a greater role. The aim is to find an optimal capital structure from a financial investment point of view. The purpose will be answered by the following research question: Are there significant differences between leases, loans and equity financed fleet of factors, profitability, tax, turnover, age, and cyclicality. The study will also examine how debt is related to profit margin, DuPont and the tax, all through a regression analysis. Then were plausible economic theories for the study.

With the collapse of the Soviet Union and the 9/11 attacks, the landscape of the freedom of religion has changed. The issues now facing freedom of religion varies greatly from the issues that the drafters of the universal declaration of human rights faced after World War II.In the light of the new issues that States face in the intersection of religion and societal interest, scholars have criticized the European Court of Human Rights to give too much leeway to the States in determining how the human rights should be implemented, by using the doctrine of margin of appreciation. Critics of the margin of appreciation claim that it is based on culture relativism and that the doctrine undermines the universality of the human rights. In order to decide if the margin of appreciation has indeed led to a relativization of the human rights I compared it to the jurisprudence of the UN Human Rights Committee and its use of the Syracusa principles. My conclusion is that the jurisprudence of the European Court of Human Rights cannot be considered to be based on culture relativism.

With the climate change issues growing in importance on the social agenda, the field of urban masterplanning is of no exception when it comes to minimizing the carbon footprint in a variety of projects. The aim of this thesis has been to prepare the Carbon Critical Masterplanning tool, a software plugin for carbon dioxide emissions assessment developed by Atkins, to be used in Swedish conditions. The main targets were to improve the areas of the tool associated with energy conversion and renewable energy sources, and to test the tool in a real case. A planned construction of a new campus in Albano, Stockholm was chosen for the pilot study. A 3D model was built in the tool and the carbon footprint was calculated for a variety of combinations for energy supply to the future area.

Abstract The increased focus on social capital theory has made its way into labour economics. This has led to the creation of a vast literature about the use of networks and informal search methods in the labour-market, a literature that to some extent also deals with immigrants search behaviour and their relatively high unemployment rate. Characteristic for the literature in the area is the lack of analysis of actual networks. Which types of contacts do these networks contain; how are the networks used in the labour-market; and which type of network generates a high amount of social capital. These questions are important for the general understanding of how social capital functions, within the labour-market, but also for the understanding of how immigrants use their networks in order to find themselves jobs.

AimThe aim of this study has been to examine how health enhancement teachers in Montana, USA, view the value of physical activity from a lifelong perspective.In what way does the health enhancement teacher think the importance of physical activity from a lifelong perspective could be presented?What resources are available for teachers to present the value of physical activity from a lifelong perspective?MethodThe issue has been answered through qualitative interviews consisting of six health enhancement teachers, four women and two men, in Montana, USA. One of the teachers worked at an elementary school (for 30 years), three teachers worked at middle schools (20, 10 and 8 years of work experience) and two of the teachers interviewed worked at a high school (30 and 3 years).  ResultsThe majority of teachers feel that a wide variety of activities, adapted to an individual level, and the understanding of a healthy lifestyle are important in order for the teacher to present the value of physical activity from a lifelong perspective.The teachers felt they had sufficient material in order to present the value of physical activity, where the school budget provided the teachers with materials every year. In addition to the budget, all the teachers had 12 hours of professional development every year where they could attend conferences or their own choice of professional development.ConclusionWith the help in forms of professional development offered by the school, conferences, meeting with other teachers, and their own choice of development, the teachers instruction techniques could increase which could help the teachers to find the pupils? interest for different kinds of physical activities.KeywordsPhysical education and health, physical activity, SOC, sense of coherence..

The pace of product development is increasing. It is important to keep high quality in theproducts even though the time for product development decreases. Those companies whichcan utilize previous experiences are positioned with a significant competitive advantage. ToABB Robotics it has become evident that the knowledge transfer process within the productdevelopment department is inadequate. This study was a result and an attempt to address thisunsatisfactory insight.

The purpose of this study was to compare normal electroretinographies (ERGs) from three different canine breeds in order to evaluate if there were any marked similarities or differences between these breeds as to ERG responses. It is known that healthy dogs from different breeds but also dogs within the same breed but in different age categories may have different appearances of their ERG responses. This may be a problem when evaluating if an ERG is normal or not from a dog within a breed not previously examined. Because of this it is important to obtain normal values for each breed and age group in order to be able to use these for later comparisons of ERGs obtained from individuals affected with various retinal diseases. In this study we have chosen to examine dogs within the three breeds: Labrador Retriever (LR), English Springer Spaniel (ESS) and Chinese Crested Dog (CCD). All of these breeds may be affected with hereditary retinal diseases such as Progressive Retinal Atrophy (PRA). It is possible that ERG-responses vary due to a number of different factors.

This is a final thesis for the Master?s Programme in Landscape Architecture at the Faculty of Landscape Planning, Horticulture and Agricultural Science. The subject of the thesis is the outdoor environment of children in Hebron.The thesis aim is to investigate children?s basic needs and desires in their outdoor environment, and how these can be met in the design of a site in Hebron. A starting point for thesis is that children?s environments in the city should not be separated from city life in general, so that children and adults can meet in the city outdoor environment.The ongoing political conflict between Israel and Palestine is presented in the thesis by describing its consequences for the city of Hebron and the lives of its residents, with a particular focus on the everyday lives of Hebron children.