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.

Horses are made to eat mainly roughage and it is essential for optimal health to offer them an appropriate amount of roughage with good hygienic and nutritional qualities. To produce good hay at the right time and be able to keep the hygienic quality until next summer is a problem. This has the effect that horse owners today choose haylage and silage to a larger extent. Science in this area is scarce, i.e. if the change from hay to silage has any effect on the horse.

The main aim in this Master thesis is to analyse how an ideological view may have influenced the shape of hierarchies with a specific concentration on the concept of fiction genre in the latest versions of the systems SAB and DDC. Our thesis is that no theoretical classification scheme can be recognized as objective. With an ideological/institutional perspective we look at the structures behind these systems. As a vehicle we use the hermeneutic circle to show the play between part and unit by focusing and analysing three different levels: the content level the concept level the ideological level. The first level is in the shape of a historical background and an analysis of concept with focus on content.

In Abisko National Park there are a numberof weather stations. To be able toretrieve the data from the nodes in thefuture a Quadrocopter-prototype has beendeveloped during this master thesisproject as a first step. A quadrocopter isa helicopter with four rotors placed in across formation. The quadrocopter cannavigate autonomous between different GPSpositionsthat are updated during flighttrough Xbee-modules. All levels fromsources code, design of the electronics todevelopment of the chassis was performedduring the project.

This report deals with issues related to construction waste. Building material that has not been built into the project is defined as construction waste. Cost of construction waste amounts to 4-12 % of the total cost of the project. Moreover, cost of construction waste is 1-3 % of the production cost. The aim of this study is to increase knowledge about the main causes of waste within the construction industry.

In order to reduce greenhouse gas emissions from human activities fossil fuels will have to be replaced with renewable energy alternatives, such as bioenergy. Sweden has a great potential to produce bioenergy derived from forest products and there is currently a great interest within Sweden in using stumps for bioenergy production. However, the environmental consequences of the method need to be investigated before stump removal can be performed on a large scale. Swedish forest soils contain large carbon pools and a different land use may change conditions so that soils that presently act as sinks of carbon could potentially turn into sources of carbon release instead. This study investigates the initial effects of stump harvesting on the emissions of three greenhouse gases, carbon dioxide, methane and nitrous oxide. The emissions were measured from the soil surface in a Norway spruce forest located in the southern part of Sweden.

Selenium (Se) is an essential trace element that is involved in several physiological functions in mammals. Mostly, Se is bound to proteins, many of them with enzymatic functions. A group of seleno-depending enzymes, glutathione peroxidases (GSH-Px?s), are important as antioxidants and protects against free radicals. The activity of GSH-Px is strongly regulated by Se storage in the liver.

The Swedish social insurance agency provides financial support for families and children, but also for people with work injury, illness and at old age. During 2012 they saw the amount of notifications of insurance increasing in Sweden, which is a development that cost our society a great deal of money. With the aim to pursue a sustainable development I have therefore devoted this project to wellness and stress management within preschool.The employees of preschool are often dealing with a lot of stress, due to the big groups of children that causes high noise and sound levels. The high noise and sound levels is a contributor to stress which additionally can damage the health and cause impaired hearing loss. About half of the people around their forties until the age of retirement have difficulties understanding speech in large groups.The purpose of this project has been to investigate the causes of negative stress for my target group, women between 30-60 years old who works in preschool.

Rapid population growth and the fact that phosphorous is a limited resource implies that the question regarding an efficient use of phosphorus is of great importance, and consequently,that the phosphorous use efficiency should be as high as possible. The view on phosphorous use efficiency, and how this is calculated, has varied over time. This has had great implications on what type of research that has been conducted, which have resulted in an inconsistency between the academic?s view on the subject and recommendations received by farmers. The purpose of this paper is to calculate the phosphorus use efficiency in the Swedish long term fertility experiments.

The purpose of this study was to develop two types of prediction models for Scots Pine and Norway Spruce. The first type for calculation of the stump diameter under bark the year the tree reached breast height (Dstubh130). The second type for calculation of the annual difference, e.g. the number of growth years between stump height (0.2 m) and breast height (1.3 meters above ground level). The primary thought with these prediction models is to obtain the breast height age in the trees on basis of the number of annual rings at stump.

The purpose of this paper is to investigate how a small company manages its information, primarily the organization of digital documents. The two dominating themes are classification and information politics, the former in the context of a corporate environment and the latter to help us to describe the situation at the company. The method used has involved observation of the company's current computer network structure and also interviews with six employees at different levels in various departments at the company. The result of our investigation has been the realization that, although logical structure is important when organizing documents in a digital environment, it is also necessary to have rules regarding its implementation..

In the fluidized bed furnace at Rönnskärsverken, Skelleftehamn, sulphur-containing ore concentrates are roasted in order to remove about 50% of the sulphur in the incoming ore concentrate. This occurs in order to reach the goal of a matte containing 55% of copper in the following smelting process. At the same time as the ore concentrate is partially roasted pollutions as arsenic, antimony and bismuth are expelled. Earlier made thermodynamic calculations of equilibrium suggested that calcium and magnesium form stable compounds with arsenic and thereby inhibit expellation of arsenic in the fluidized bed furnace, an element that is undesired. The purpose of this thesis work was to gain knowledge of the mechanisms behind the formation of these stable arsenic compounds.

Cambodia is located in Southeast Asia with a tropical monsoon climate and distinctive wet and dry seasons. Poverty is a widespread problem in Cambodia and 30 percent of the population were classified as poor in 2009. About 80 percent of the populations live in rural areas where poverty is an even greater problem. In agriculture, rice cultivation is dominating and the crop is cultivated on 85 percent of the arable land. Livestock keeping is also a traditional part of Cambodian agriculture.

Background: Sweden is a country where vitamin D deficiency seems to be common, partly because of its geographical position, which reduces the availability of UVB radiation, but also that people avoid sunlight due to increased skin cancer risk. Research shows that vitamin D plays an important role in the prevention of many diseases such as cancer as well as autoimmune and neuropsychiatric diseases.Vitamin D is a fat soluble pre-hormone and a collective name for closely related compounds which act as hormones after undergoing a transformation in the body.Humans can utilize vitamin D through diet and produce it in the body by exposing the skin to the sun. Previous observational studies and epidemiological studies have established a hypothesis that there seems to be an association between vitamin D supplementation and reduction of depressive symptoms.Objective: The aim of this study was to investigate if vitamin D supplements may decrease depressive symptoms.Methods: This work is organized as a literature review and article search is made in the database PubMed in January 2012. Keywords used were ?vitamin D and depression? and inclusion criteria were: randomized clinical trials, be conducted on humans, written in English.

The Swedish social insurance agency provides financial support for families and children, but also for people with work injury, illness and at old age. During 2012 they saw the amount of notifications of insurance increasing in Sweden, which is a development that cost our society a great deal of money. With the aim to pursue a sustainable development I have therefore devoted this project to wellness and stress management within preschool.The employees of preschool are often dealing with a lot of stress, due to the big groups of children that causes high noise and sound levels. The high noise and sound levels is a contributor to stress which additionally can damage the health and cause impaired hearing loss. About half of the people around their forties until the age of retirement have difficulties understanding speech in large groups.The purpose of this project has been to investigate the causes of negative stress for my target group, women between 30-60 years old who works in preschool.