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.

Denna studie jämför hur Capital Asset Pricing Model (CAPM) och Fama-French trefaktorsmodell förklarar och förutspår avkastning på en global aktiemarknad. CAPM utgår ifrån att investerarna förväntar sig en riskfri ränta adderat marknadspremien multiplicerat med företagens exponering mot marknaden. Fama-Frenchs är en utvidgning av CAPM modellen, där företagens storlek och book-to-market-värde läggs till som förklarande variabler för avkastning. Genom regressionsmodeller och prediktioner för portföljer indelade i storlek och book-to-market jämförs modellerna. Fama-French tycks vara genomgående bättre på att förklara och förutspå avkastning under perioden 1990m07-2013m02 för samtliga portföljer, förutom portföljen för stora företag med medelhögt book-to-market värde.

The aim of this master thesis is to study how the development of a public library by means of ideas and methods from the private sector can be related to traditional core values. We base our study on institutional theory, which focuses on norms and values in an organisation, and new institutional theory, which focuses on how organisations are influenced by changes in the environment. We also use New Public Management with a market focus to analyze the implications of a development towards a more market oriented view.The method used is that of a case study of a new library concept, Idea Stores in London. Idea Stores are a number of new public libraries in Tower Hamlets developed from the results of a major opinion survey about libraries. The Idea Stores combine traditional library services with elements of adult education and lifelong learning in a partnership with local learning centres.

With the expansion onto the international market almost a decade ago, Swedish energy corporation Vattenfall began it's breaking and burning of coal on German soil. Criticism aimed at Vattenfall peaked in the mid 2000s with the revelation of large quantities of carbon dioxide emissions and the re-location of villages and graveyards in German states Brandenburg and Saxony. The purpose of this thesis is to show where the responsibility for these activities lie. By analyzing the history of, and the political debate surrounding, Vattenfall, I will show that the prevailing policies of right- as well as left-wing parties in the 20th century were all, regarding this matter, market oriented. I will also show that these market promoting policies made possible a situation where the transparancy of, and state control over, Vattenfall were close to eliminated.

ABSTRACTA defect implantation process is the major reason for unexplained infertility. Estrogen andprogesterone are steroid hormones preparing the endometrium for implantation. They mediatetheir effect through their receptors: estrogen receptor alpha and beta and progesteronereceptor A and B, respectively. Leukemia inhibitory factor (LIF), which is also important forimplantation, mediates its effect through LIF receptor and the coreceptor, gp130, and is downregulated by suppressors of cytokine signaling 1. The aim of the study was to compare thelevels of the steroid hormone receptors and LIF related factors in the endometrium of twogroups of women with the diagnosis unexplained infertility: one that became pregnant afterassisted reproduction and one that did not become pregnant.

On the internal market within the EU, freedom of establishment under articles 49 and54 TEU stipulates that companies have the right to set up businesses in other MemberStates. On the internal market there are 27 different national tax law systems whichhave caused obstacles regaring taxation between Member States. These obstacles havebeen shown deterrent when a company enters a new market. One problem area is thelack of cross-border loss compensation for groups. This means that cross-bordergroups is over taxed when they are unable to set of gains against losses.

The real estate company Ihus is facing an expansion of its comfort cooling in Noatun,Uppsala, to provide the buildings in the block with cooling. The buildings in Noatunare mainly used for office premises, where the requirements for an accepted indoorclimate is great. However, it?s uncertain whether Ihus should continue, as currently,producing comfort cooling by themselves using a compressor chiller, or if they shouldconnect themselves to Vattenfall?s district cooling net.The purpose of this report is to examine which technique of cooling is best suited forIhus and their buildings in Noatun. It should also work as a guideline for othercompanies facing the same problem as Ihus.

AbstractTitle: Företag X? the hidden power? a study of internal communication, culture and internal branding. Företaget X has in real life a different name.Number of pages: 42 (49 with enclosures)Author: Charlotta Babington ThorszeliusCourse: Media and Communication Studies CPeriod: Autumn 2007University: Uppsala University, SwedenPurpose/Aim: To analyze the internal communication, culture and internal branding of an insurance company and how they can improve these company tools can be improved.Material/Method: qualitative method using interviews, analysis of internal communication policies and observations.Main results: The policy documents do not match how the internal communication works in every day life. There is a structure that is working and the information flows through the different levels. The vision and goals are difficult to understand as they are written in a complicated way.

Nuts of all kinds are common ingredients in food. For nut allergy sufferers the frequent use of nuts cause problems and "hidden" nuts in food products may elicit allergic reaction when such foods are consumed. Methods for detecting and quantifying walnut (and other nuts) with high sensitivity and specificity are therefore very important.The objective of this project was to verify the specificity of a rabbit antiserum against walnut with immunodiffusion and to determine the size of the dominant walnut antigens with Western blotting. In addition, a commercial sandwich ELISA for walnut quantification was validated and compared with a qualitative real-time PCR.The rabbit antiserum proved to be less specific but after absorption with cross-reacting nuts and seeds it showed high specificity. The ELISA kit reacted, except for walnut, with pecan and slightly with other nuts and seeds tested.

This thesis of 15 hp has been implemented at Halmstad University, in collaboration with Saab Dynamics in Linköping. Saab Dynamics is a company operating in the defence industry where competition is tough. This necessitates new ways to increase efficiency in the company, which is the basis for this thesis. Saab Dynamics wants to introduce simulation driven design. Since Saab Dynamics engineers have little experience of simulation, required a user methodology with clear guidelines.

Syfte: Syftet med vår undersökning är att skapa bättre förståelse för hur en säljare förmedlar empati för kunden i en säljrelation. Tidigare forsknings uppmärksamhet för förståelsen och empatins påverkan utgör grunden till att vi mer specifikt vill undersöka; hur kunden uppfattar att fastighetsmäklaren förmedlar affektiv respektive kognitiv empati i en säljrelation.Metod: En studie av kvalitativ art valdes med bakgrund till studiens syfte. För insamling av kvalitativ data använde vi oss av tidigare forskning samt semistrukturerade intervjuer, vilka utfördes med respondenter som anlitat en fastighetsmäklare inom de närmaste tre föregående åren. Well-grounded theory användes sedan som analysmetod av det empiriska materialet.Slutsats: Studien indikerar att kunden uppfattar både affektiv och kognitiv empati i mötet med fastighetsmäklaren. Vi har genom analysen uppmärksammat skillnader och likheter i respondenternas svar, mer specifikt har vi funnit att kundernas uppfattning av empati upplevs olika av olika personlighetstyper och situationer.Förslag till vidare forskning: Vi anser att vidare forskning bör ta hänsyn till fler variabler, exempelvis ålder, kön, personlighetstyp eller situation.

The aim of this thesis is to present, investigate and especially to analyse the legal rules that apply in the process of changing of the generation of the ownership of Swedish agriculture and forestry family business. The methods that this study include are: unplanned succession of ownership, i.e. inheritance, and planned succession of ownership, i.e. gift and purchase. The succession method that is the most cost efficient must be established in every single case depending on the situation of the current owners and the successors.

Under de senaste åren har planprocessen legat i fokus. I Stockholm råder en stor bostadsbristoch de långa planprocesserna som kan sträcka sig upp till fem år eller mer har medfört att ettantal utredningar och rapporter har genomförts för att se vari problemen ligger. De långa ochkomplicerade planprocesserna medför även att konkurrenssituationen mellan byggherrarpåverkas då enbart de större byggherrarna har den tid och resurser att genomgå dennautdragna process. I den nya plan- och bygglagen som infördes 2 maj 2011 fanns en delförändringar som hade som mål att effektivisera denna process men än finns det utrymme förförbättringar.I vårt examensarbete har vi analyserat tre projekt i tre olika kommuner för att se huruvida deutredningar som krävs skiljer sig mellan kommunerna. Kommunerna vi har valt är Stockholm,Solna och Södertälje och för att få en mer nyanserad bild har vi pratat medstadsbyggnadskontoret i Södertälje kommun samt två exploatörer i Stockholm och Solna omderas syn på processen.

During the study's first stage we noticed that the Swedish term ? utanförskap? was constructed for political purposes, the term?s ambiguity what was first raised our interest. Therefore the aims of this study was to examine how social workers at the social welfare office and the labor market related project Framtid Kronoberg  as well as politicians within the administration of Arbete & Välfärd (Work & Welfare) relates to utanförskap as a social phenomenon. The study?s second aim was to examine how the aforementioned persons consider utanförskap to be counteracted among young adults.

Theability to beat the market is one of the most discussed topics in finance. Thereare very few investors that manage to accomplish this over longer periods oftime. Most of the financial research claims that this is impossible unless theinvestor increase the risk in the portfolio. However numerous of researchershave shown that it exist anomalies on the stock market which either indicatesthat the Capital Asset Pricing Modell (CAPM) or Fama and French three-factormodel fails to explain stock returns or that the market is not fully efficient.One investor that has claimed that the stock market is not fully efficient andthat it is possible to generate abnormal return is Benjamin Graham. Graham isone of the legends on Wall Street and he has shown that by using few variablesbased on public information, one can manage to beat the market over longer timeperiods.There arejust a few studies that have tested Graham?s criteria?s, however all of themindicates that they work but that the standard deviation might be higher forthe portfolios.