Title: The mortgage limitation and its impact on the mortgage marketLevel: Final assignment for Bachelor Degree in Business AdministrationAuthor: Mattias Arnkvist and Magnus Vitasp PerssonSupervisor: Lars SteinerDate: 2011 ? MayAim: We have conducted this report to find out what effect the mortgage limitation has had on the mortgage market since its introduction in autumn 2010. The mortgage limitation has both before and after the introduction been a topic of discussion as it affects many and above all makes it diffucult for certain customer groups.Method: This report was written by a qualitative method. The report uses qualitative and quantitative data. The quantitative data we have in the report are printed literature in books, articles and journals as well as data taken from Internet.

In this essay we have approached the problem with retailer brands that copy marketing leaders to get consumers attention in the storeshelf. We have sought to explore how much a designed package would change the consumers opinion of a brand and if this effect is different depending on if the brand is a retailer brand or a market leader. Also we sought to find if this effect would be greater with a salient color on the package. We made a Quantitative study and with regression analysis we found that a designed package did have effect on the consumers opinion of the brand, and that the design with the salient color made the biggest effect..

This study aim to investigate the conditions framing the professional development situation for physical education teachers (PE) in a small municipality in the south of Sweden. The Swedish National Agency for Education declare that "focus must be directed towards strengthening the teachers' profession", and that "schools need well-trained teachers and good teaching to help students achieve good results". The study focuses both the schools? contribution and the way in which the teachers take own initiative and are motivated to develop their professional skills. The investigation is all based on teachers' perspectives.

Objective: The purpose of the study is to explore and illustrate how ultrasound midwives and medical specialist in obstetrics and gynecology believe the information given to parents about the genetic soft markers should be handled.Design: A quantitative questionnaire study with cross-sectional design. Participants: 44 ultrasound midwives and 37 medical specialists in obstetrics and gynecology.Findings: Most of the participants would like to inform before the ultrasound starts that they will be looking for genetic softmarkers during the ultrasound. Likewise the majority wanted to inform the parents about possible increases in the risk for chromosomal abnormalities based on findings on the routine ultrasound. There was a difference in frequency between those who responded that they would like to inform before the ultrasound that they will be looking for genetic softmarkers and those who responded that they believe the future parents wants information before the examination.Key conclusions: It could help health care professionals in their role as information providers if there were common recommendations for the information to be given to future parents about genetic softmarkers in connection with the routine ultrasound.

The purpose of this study is to examine young adults', 18-19 years old, attitudes towards corporal punishment and with the help of social constructionism, grid-group theory and relevant concepts analyze the results and compare it with previous research. The research questions introduce various factors such as gender, origin and personal experiences of corporal punishment that may affect the attitudes. In order to fulfill the purpose and answer the research questions, a quantitative research method has been selected. There was 118 participants in the survey. The study was conducted by means of surveys in high schools in Örebro. Social constructionism made us realize how the community, perceptions and expectations might influence attitudes. Grid-group theory gave us an insight into how different family structures may explain why attitudes toward corporal punishment of children differ between individuals.

Marketing of education is a phenomenon which has been developed throughout the increasing competition within the educational sector. The focus of this paper is the marketing made by upper secondary schools (grade 10-12) in Stockholm. The competition in this area is increasing partly due to the growing number of private schools. However, this is a phenomenon seen only in larger cities with several schools available. There are over 170 upper secondary schools in Stockholm and the students freely can choose among these.

In preparation for the autumn term in 2011, the Swedish elementary school adopted new syllabuses regarding, inter alia, the civic education (Sw. Samhällskunskap). The civic education has traditionally been a disciplinary subject with a main purpose of mediating democratic values as well as providing generalorientation in the society. Generally, the civic education intends to reflect the world in which people live in, being a complex society which to a large extent is regularly affected by global aspects and developments.      The purpose of this study is to review all the elementary school?s syllabuses relating to the civic education with specific focus on the globalisation perspective.

Smoking is a health problem with a negative impact on virtually all body organs. Smoking can cause, for example, lung cancer, cancers in other organs and cardiovascular disease. There is also a social aspect of smoking. If individuals have many smokers in their environment, the risk to start smoking is increased, and for those who already smoke the chance of quitting will be less. Many municipalities today face smoke-free working to reduce smoking and passive smoking adverse effects.

Due to soft grounds in combination with seasonal variation in soil humidity, there is a lack of stands that are possible to cut during spring and autumn in some geographical regions. For Holmen Skog this sometimes means that a large proportion of the contracted private forest is cut during the winter when the ground is frozen. One consequence of this is that the proportion of winter stands in the stand bank of own forest increases while spring and autumn stands becomes a scarcity. This in combination with milder winters, especially when there is a long period of reduced bearing capacity in spring or autumn, means that the situation rapidly can become critical. The overall goal with this study was to generate basic data for decision support in the work to achieve a sustainable distribution between own forest and contracted private forest in the stand bank. The study took place at Holmen Skog, district of Umeå, during autumn 2007 and was based on interviews and an analysis of harvest planning and delivery data. The study showed that there is a problem with how the cutting is distributed between own and contracted private forest during the year and that it foremost is the proportion of winter thinning of own forest that has increased in the stand bank.

Background: The regulation of banks is increasing in order to stabilize the financial market. Despite this increase in regulation, financial crises still continue to occur. The Basel Committee on Banking Supervision is gradually increasing the capital requirements for banks, yet the increase in capital requirements doesn?t seem to solve the problem. This raises the question: how does capital regulation affect banks? Purpose: The purpose of this study is, primarily to illustrate the effects that capital regulation has on risk and efficiency on banks within the European Union, but secondary also study the relationship between risk, efficiency and capital regulation.Method: To achieve the purpose of this study, a deductive approach has been used, where the problem is assumed to be due to an agency problem.

The purpose of this work is to do an investigation on the customers in the pharmaceutical sector; mainly general physicians who have taken part in the education events have any impact in their prescription behaviour after the participation in the program. The settings for this study are general practitioners in the Swedish market who have taken part in the education program held by Novo Nordisk in the treatment of diabetes disease. Methodology: The methodological approach adopted for this work is quantitative; using secondary data from the internal database from the company. The analytical model is tested through statistical analysis using the data?s obtained from the databases.

Next year, Swedish upper secondary school will be the arena for a new comprehensive reform according to an extensive government bill. The reform will probably have major impact on every-day educational practices. The aim of this paper is to describe the consequences forbiology teaching when the reform is implemented, and to analyse in what way the biology teachers, and other participants, take part in digitised discussion forums during the implementation of the reform.The research design consists of a quantitative approach and two different methods are used, i.e. descriptive content analysis and quantitative content analysis. The content and meaning of the government bill is analysed and the statements from the participants at the discussion forums are equally important in order to fulfil the aim of this inquiry.The results show the reform will have a profound impact on the subject biology, e.g.

This thesis examines and measures differences in effciency between L1- and L2 language use for solving referential problems. Quantitative measures used in the study were time and error frequency. Qualitative measures, such as how the tasks and the participants own performance were experienced, were measured by an post interview and two questionaires. Two different tasks, a sorting task and a construction task, in which each informant was given the role as a constructor or instructor, were used for data gathering. A total of 20 dyads, divided in two language groups (English and Swedish) participated in the study.

The purpose of this study was to investigate to what extent  young adults use media to create the image of themselves. The questions we wanted to answer was as follows: what does the media use of young adults look like compared to their attitudes towards media content; what awareness do they have of other young adults attitudes concerning media content; and finally, how do these attitudes affect their own media use?Media consumption is a great part of  the daily lives of young adults living in Sweden: the national  average media consumption is seven hours a day, for 15-24 year olds. This provides a new way for young adults to express their identity - by showing their use of different media content, they can change other's perception of themselves.The method we used in our study was a combination between a quantitative and a qualitative method. We first made a survey in three classes with senior year high school-students, in a Swedish school.

Background: Miscarriage is a common phenomenon in our society. It is reported that approximately 17 % of all pregnant women in Sweden go through a miscarriage every year. For many women miscarriage is a tumultuous life event that often has a deep emotional impact. Miscarriage is a subject that often is prohibited to talk about in our western society. Consequently this means that nurses have an important role in the emotional support for these women.