The general consensus is that the gap between the Swedish variable mortgage rate and the repo rate has increased over the last years. Although the Riksbank in recent times has cut its base rate, many banks have chosen either to leave the interest rate on variable mortgages unchanged, or they did reduce it but by less points than the reduction in the repo rate. The linear relationship between the repo rate and the variable mortgage rate has changed over the last decade and the mortgage margins these days are relatively high. This can somewhat be explained by the new rules introduced in the bank sector requiring banks to increase liquidity and equity. Since mortgage loans play an important role in banks? lending business it is of interest to gain knowledge in whether a repo rate reduction latterly has generated a limited affect on the banks lending rates..

Title: Co-operative, prevent or complement? - An essay on the relationships between control systems. Authors: Kim Eriksson and Victoria KarlssonPurpose: The essay aims to describe the relations between control systems and how they related to each other, based on an operationalization of the control systems. Research question: What are the control systems relations to each other? With regards whether control systems co-operative, prevents and/or complement each other.Theoretical framework: The essays theoretical framework is based on Malmi and Browns (2008) description of five different control systems and control mechanisms associated with each control system.   Research methodology: The method was based on three different data collection methods. These methods were observations, documentation, and semi-structured interviews.Conclusions: It is concluded that the control systems has comprehensive relations. Control systems have more, than one, relation to each other..

Title: Co-operative, prevent or complement? - An essay on the relationships between control systems. Authors: Kim Eriksson and Victoria KarlssonPurpose: The essay aims to describe the relations between control systems and how they related to each other, based on an operationalization of the control systems. Research question: What are the control systems relations to each other? With regards whether control systems co-operative, prevents and/or complement each other.Theoretical framework: The essays theoretical framework is based on Malmi and Browns (2008) description of five different control systems and control mechanisms associated with each control system.   Research methodology: The method was based on three different data collection methods. These methods were observations, documentation, and semi-structured interviews.Conclusions: It is concluded that the control systems has comprehensive relations. Control systems have more, than one, relation to each other..

Throughout many years there have been discussions within the European Union (EU) regarding harmonization and improvement of accounting rules for companies with listed shares or other securities. The ambition exists to adopt, the within the union applied accounting standards, to those applied globally. These discussions lead the year 2002 to adoption by the council and parliament of international accounting standards (IFRS). The ordinance meant that all listed European companies have to adopt international accounting standards, accepted for application within the EU, for their consolidated accounts.During July 2003 the Swedish Government Official Reports issued a report (SOU 2003:71) stating, among other things, the differences and oppositions of implementing IFRS on a corporate level in Sweden, since corporate disclosure is regulated in Swedish law by Bokföringslagen (BFL) and Årsredovisningslagen (ÅRL). One of the main obstacles for the full implementation of IFRS is that a company?s annual report underlies the governmental taxation and an implementation of IFRS would affect this balance.

With a starting point in the legislation for organic production set up by the Swedishcertification organization KRAV, the reasons to why these regulations are important isexplained and how pigs are affected by these rules. The study also shows how well the pigscope in the organic environment considering the origin of the genetic material; from theconventional pig population. The conclusion is that pigs do function fairly well in the organicproduction environment and the traits affecting their functionality involve: motheringabilities, strong legs, good meat quality, good sow durability and longevity, capacity to eatmuch roughage and dark skin color. There are however still many ways of improving theorganic population of pigs to make them more adjusted to the organic environment; forexample different traits brought into the breeding goals and the choice of good parent animals..

According to the national curriculum in Swedish schools, teachers have the responsibility to prevent and discourage psychological and physical harassment (Lgr 2011). This study focuses on 7 teachers with their viewpoint and understanding of bullying as a human based social problem. The teachers, as the informants, give their personal explanation on how they act, prevent and discourage bullying in their school. The research places the emphasis, based on, interviews from which teachers are telling, relating and explaining on how they say that they are preventing and discouraging bullying.The conclusion from this study is that the interviewed teachers do, from their viewpoint, understand bullying as psychological and physical harassment problem which is based on a question of interpretation in regards to the victim. The informants do place different emphasis on what causes the problem, if it is a question of the individual or of it is a problem based on the socialization between individuals.

This study investigated whether in-situ audiometry, delivered via hearing aids, is a better option as a basis forprescribing hearing aid amplification, compared to conventional audiometry. By examining the real ear insertgain (REIG) in 29 ears (18 subjects), that had been fitted with a hearing aid programmed using both conventionalaudiometry and in-situ audiometry, the study looked at whether in-situ audiometry based prescription is closer tothe NAL NL1's fitting target than audiogram based prescription. The hearing aid Siemens Pure 7mi with speakerunit M was used on all participants. The results showed how in-situ audiometry based gain at certain frequenciesis more consistent with the target curve, especially at 1000, 1500, 2000 and 4000 Hz. It was not establishedwhether the findings of the study were statistically significant.

This is a thesis about The Eight Circuit Model, a modern mind map developed for the purpose of illumination and enlighenment by Dr. Timothy Leary in the 1970s. Later, authors such as Robert Anton Wilson and Antero Alli elaborated upon the idea to make it more wholesome and compatible with other ideas expressing the same basic principle. In short, it is an intellectual abstraction of the evolution of consciousness through a series of eight stages, which Leary called Circuits. By looking at the brain as an evolving bio-computer, with thoughts working as software, upgrading itself through neurological imprints, Learys created a Hero's Journey for the modern age.The thesis tries to analyze this idea, as it is presented in Robert Anton Wilsons Prometheus Rising, through the lens of the discourse category ?Western Esoterism.? A hard-to-define subject but described as ?the dialectic of the hidden and the revealed in the field of religion.?.

Landstinget i Östergötland har problem med ständigt växande informationsmängder i patienters journaler. Anledningen till att detta är ett problem är att journalen blir svår att överblicka vilket gör det svårt för exempelvis läkare och sjuksköterskor att snabbt hitta relevant information och skaffa sig en uppfattning om patientens sjukdomshistoria vid exempelvis patientmottagning. Informationsöverflödet gör patientjournalen ostrukturerad och därmed svår att söka i. Det tar lång tid att hitta specifika data som eftersöks vilket kan leda till frustration och irritation i den redan tidsmässigt pressade arbetsdagen. Enligt tidigare studie är dubbeldokumentation i patientjournalen en stor bidragande faktor till detta problem.

The thesis is a case study that deals with public space based on how people use them. Public spaces are an important part of our city life and everyday life. Quality public spaces and places are due to its design and use, which are the primary aspects of this study. Hässleholm has been the location for the case study inventory items. Five different methods have been the basis for the study, and through them it has been possible to study what makes a room usable and unusable and what criteria is necessary for people to want to stay in the public rooms.

This paper deals with the use of Internet at Swedish public libraries. The author asks whether public libraries should or should not limit access to information available on the Internet. Starting from the American discussion, concerning Internet at public libraries, the author shows the Swedish attitudes. The paper demonstrates that many Swedish public libraries have adopted rules forbidding retrieval of certain kinds of information, such as hard-core pornography and racist propaganda. The persons in charge of such actions claim that public libraries should provide high-quality educational literature and should not spread mass-produced, provocative information.

With a starting point in the legislation for organic production set up by the Swedishcertification organization KRAV, the reasons to why these regulations are important isexplained and how pigs are affected by these rules. The study also shows how well the pigscope in the organic environment considering the origin of the genetic material; from theconventional pig population. The conclusion is that pigs do function fairly well in the organicproduction environment and the traits affecting their functionality involve: motheringabilities, strong legs, good meat quality, good sow durability and longevity, capacity to eatmuch roughage and dark skin color. There are however still many ways of improving theorganic population of pigs to make them more adjusted to the organic environment; forexample different traits brought into the breeding goals and the choice of good parent animals..

The purpose of this thesis is to analyze equalities/inequalities between the Danish and Swe-dish immigration policy based on Habermas theory about openings/closures and analyze the reasons to the differences between Danish and Swedish immigrant policy. Therefore this study has two question formulations, the first one was "Is there any equalities/inequalities between the Danish and Swedish immigration policy based on Habermas theory of openings and closings?" and the second was "Why are there equalities/inequalities between the Danish and Swedish immigration policy?" The results show that based on Habermas theory there are equalities between the Danish and Swedish immigration policy. On the question why, the re-sults show us that the factors who give the difference are work, people?s attitude to immi-grants and party politics.Keywords: Denmark, Sweden, Immigration policy, opening, closing..

People in Sweden have more and more dogs in their care, and several of these dogs are kept in kennels in back yards for various reasons. According to Swedish animal welfare legislations the need for social contact for dogs has to be met. However, there are few details presented on how to meet the need and when it can be considered satisfied. Does the dog need human contact to fulfill the need, or is the company of other dogs enough? This study aims to specify what can be acceptable when it comes to fulfilling dogs? social needs in accordance with the Swedish animal welfare legislation.

Prisons are for many an unknown world, and few know about the prison culture which includes unwritten rules, power structures, interactions and relationships between inmates and correctional employees.While many think that Swedish prisons are too comfortable,inmates are facing extreme stress due to surveillance and detention, by depriving inmates their possibility to shape their own lives. When the inmates is deprived of control over their own life?s the penal system have great power to shape and to influence the inmates.The purpose of this paper is to investigate prisoners' experiences of treatment and exercise of power in prisons. Starting point is to examine what are the kinds of relationships between prison officers and inmates from a power perspective, if there is any difference between the closed and open prisons and how the inmates affected by the structures that exist.Based on my overall purpose, and with my informant´s stories which revealed a number of similar points, four main headings were developed; Mass media and society´s view, and unknown world, interaction between inmates and prison officers and consequences.Prison officers with the role as a contact persons as well and other staff which work close to the inmates play a significant role by supporting through motivational interviewing and can help the inmates to gain insight about their life situation and actions. My informant?s underlined that a good contact person can either help or discourage.Inmates who contributed with their experiences express that there is a big difference between open-and closed prisons.