The first aim of the thesis is to analyse the problems of trust, according to game theory, in the Russian market for private pensions insurance. The second aim is to find suitable strategies to solve the problems. Problems of trust have arisen because, (i) buyers of insurance have had negative experiences when dealing with insurance companies and corruption has decreased trust for all players in the market, (ii) incomplete information makes it difficult to separate honest actors from dishonest, and (iii) dishonest insurance companies do not get punished because of corruption and weaknesses in the law. Mutual risk-sharing is a potential solution as necessary conditions already exist in the Russian society. There are groups who (i) share the same type of risks, (ii) are aware of moral hazards, and (iii) are able to control each other.

This paper is a degree project on the C-level, 15 points at University West, Department of Business and IT dept. Informatics. This study is about agile methodology and its impact on IT projects. Requirements management is a process within an IT project, where customer has certain requirements that must be met by an IT system. The difference between the traditional and agile development is in the requirements management process and it can cause problems in a project.

The theme in this report has been how to benefit experience from accident investigations. The demand on the municipality to perform accidet investigations is relatively new, and maybe they aren?t clear what the demands means. This causes that there might be a problem to benefit experience from accident investigations, for improving the overall safety in the municipality. The main purpose of this report has been to clarify how experience from accident investigations, can be of benefit to society on a local level.

Ogräs är en oönskad växt, ört eller gräs som konkurrerar med den odlade grödan om ljus, vat-ten och näring. För lantbrukaren är det arbetskrävande och kostsamt med bekämpningsåtgär-der mot ogräsen och det finns risk att skörden blir reducerad om det finns ogräs i vallen. Vid vallskörd finns också risken att ogräsfrön följer med grönmassan. Överlever fröna sedan ensi-leringen, digestionspassagen hos idisslare och rötningen till biogödsel finns en eventuell risk för att fröna sprids och ogräsen kan därmed etableras på åkern igen. Det finns flertalet fak-torer som påverkar i vilken utsträckning ogräsfrön kan överleva.

My essay is on the subject of teachers work environment with focus on noise and communication. In the essay questions are raised on how a teacher can influence his or hers noisy work environment. A school is a large work place with many employees and is owned and administered by the county municipality which is an even bigger workplace. How big an acting space does a teacher have in such a large organization?My methods of research on these questions have been to conduct interviews and analyzing documentation from The Swedish Work Environment Authority.

Background: The purpose of the present study was to investigate the prevalence and characteristics of deliberate self-harm in a Swedish University population.Method: A random sample of first year students at University of Kalmar was invited to participate in an Internet-based survey in the autumn of 2007. A total of 139 (53,1 %) completed the anonymous survey.Results: The results showed that 25,2 % (n=35) of the students reported having engaged in some kind of deliberate self-harm at least once, and deliberate self-harm was endorsed by 7,9 % within the past year. The most frequently procedures to self-harm were to tear, carve or pinch self, cutting skin and hitting self on purpose. 37,1 % reported that they had told no one about their self-injurious behaviors and 36,4 % significantly reported that they had no one they trusted and who they could talk to if they were concerned about something. Students with self-injurious behavior were also more likely to report a history of emotional, sexual and/or physical abuse, alcohol and drug use, cut classes and questioning their sexual orientation.Conclusions: Findings suggest that self-harm is associated with risk factors and that self-injury is not only associated with adolescence but also with adulthood.

Denna studie är en fallstudie vid två av Magelungens dagverksamheter. Studien inkluderar tre olika perspektiv: ungdom, förälder och behandlare. Syftet med studien har varit att undersöka informanternas upplevelser av ungdomens tid på Magelungens dagverksamhet. Detta har gjorts genom en kvalitativ metod där sekundärdata, i form av nio intervjuer genomförda av Magelungens forskningsgrupp, har bearbetats och analyserats genom meningskoncentrering. Studien tar avstamp i den kunskapslucka kring kvalitativ forskning om dagverksamheter som forskningsgenomgången visar på.Resultatet tyder på att informanterna generellt sett är nöjda med tiden på dagverksamheten.

The objective of this thesis was to research and gain knowledge about people involved in organized crime in Sweden. By conducting interviews we were able to analyze what factors played a role in an individual's choice to become a member of a criminal gang, as well as to gain an overall picture of these people. The qualitative research was carried out in three different cities in Sweden. Three people, aged between 30 and 60, who are currently members of a gang, were interviewed. In these interviews they shared their life stories in terms of childhood, youth, gang involvement as well as their hopes for the future.The results were then further analyzed to explore any similarities and differences among the participating individuals.

Hedgefonder har under det senaste decenniet blivit ett allt mer uppmärksammat inslag på den svenska fondmarknaden och tillväxten har varit stark både till storleken förvaltat kapital och antalet hedgefonder. Själva grundidén för hedgefonder är att de oberoende av marknadsutvecklingen alltid skall generera positiv avkastning. Låg risk samt låg korrelation med aktie- och räntemarknaderna är ytterligare argument vilka bör göra hedgefonderna till intressanta inslag i investerares totala portföljer.Problemområde: Hedgefonder kommer säkerligen att utgöra betydande delar av svenska investerares kapitalplaceringar i framtiden vilket gör dem till intressanta studieobjekt. Intressant ur en investerares perspektiv är att undersöka huruvida hedgefonderna infriar uppställda förvaltningsmål.Syfte: Genom kvantitativ beräkning ämnar vi analysera de svenska hedgefondernas historiska prestationer i form av absolut avkastning, riskjusterad avkastning, volatilitet samt korrelation, i syfte att se om detta motsvarar de förväntningar en investerare bör ha för sitt hedgefondsparande.Metod: Undersökningen baseras på sekundärdata i form av undersökta fonders kurshistorik, samt index- och räntehistorik. Studien är teoretisk i den mening att vi använt oss av vedertagen ekonomisk teori som vi tillämpat, empirisk då vi själva genomfört beräkningar för att sedan kunna analysera resultaten och dra egna slutsatser av dessa.Resultat: Flertalet fonder har svårt att uppfylla målet om ?absolut avkastning?.

Syftet med vår undersökning var att vi ville ta reda på vilka metoder logopeder använder när de fastställer diagnosen språkstörning hos flerspråkiga barn och om där finns risk för fel- diagnostisering. Vi ville även ta reda på hur man jobbar med dessa barn i språkförskolor. Vi valde att göra en kvalitativ undersökning med halvstrukturerade intervjuer med fyra logopeder. Vi valde även att göra en observation av en logoped i arbetet med barn på en språkavdelning på en förskola. Resultatet av vår undersökning visade att det finns för få tester som är anpassade till flerspråkiga barn.

Previous research has discussed how voluntary disclosure relates to the cost of equity capital. Theories of estimation risk support a negative association between disclosure and cost of equity capital, as empirically documented by Botosan (1997) among others. In this Bachelor thesis we investigate whether such a relationship exists on the Swedish capital market. Using the CAPM to estimate the cost of equity capital and a disclosure index based on Aktiespararen?s annual evaluation of corporate disclosure, we test a model where disclosure explains cost of equity capital.

The increased frequency of reported Methicillin-resistant Staphylococcus pseudintermedius (MRSP) is of great concern to small animal healthcare due to limited options of antimicrobial therapy. The aim of this literature study is to investigate 1) characteristics and classification of S. pseudintermedius, 2) resistance mechanisms and emergence of MRSP, 3) risk factors for selection of MRSP, and 4) clonal distribution around the world. S. pseudintermedius is a skin and mucosal commensal in healthy dogs and cats, but can cause infections, including pyoderma. Beta-lactam antibiotics inhibit bacterial growth by binding to the penicillin binding protein (PBP), a vital enzyme in the synthesis of the bacterial cell wall.

The aim of this thesis is to describe and analyze the geographical distribution of everyday criminality in the town of Borlänge during the year 2002 and to analyze which measures to be taken in the physical social planning to decrease this everyday criminality there. The term everyday criminality is here to be understood as those categories of crime that appear most frequently in the records of reports to the police every year. Here two kinds of crime have been in focus, thefts from cars and office burglary.In fulfilling this aim two main questions have been answered. The first one is how the everyday criminality was distributed geographically in the town of Borlänge during the year 2002. The second one is which measures to be taken in the physical social planning to decrease this everyday criminality in the town of Borlänge.In order to answer the first question a spatial autocorrelation analysis, Local Moran LISA has been used.

In the future the Swedish pension system will face major problems. With an increasing aging population combined with a decreasing share of working population the financing of the pension system is becoming a bigger problem than previously predicted. This means the individual himself will have a bigger responsibility to invest money for their future retirement. It has been shown that a large proportion of the people who invests for their future pension have neither the interest nor the time to actively invest their pension capital. To make it easier for those who invest for their retirement, some Swedish banks have created so-called generation funds.

AbstractPURPOSE: The aim of this study was to describe and compare possible differences regarding selected prognostic factors for disability between patients with non-specific chronic pain who were about to start a multidisciplinary treatment program (MMR), either within primary care (MMR1) or hospital care (MMR2).METHODS: The study had a descriptive and comparative cross sectional design. Eighty-nine patients were recruited consecutively when they were about to start their team treatment (50 in MMR1,39 in MMR2). The measurements were; Evaluation of self-reported self-efficacy for eight daily activities (STIVA-8), The Pain Belief Screening Instrument (PBSI) and Hospital Anxiety and Depression Scale (HADS).RESULTS: The study found some significant differences between the answers from patients in MMR1 and those from patients in MMR2. For instance, patients in MMR2 estimated lower self-efficacy according to STIVA-8 than patients in MMR1. Also, there were fewer low risk patients and more high risk patients in MMR2 than in MMR1 regarding pain intensity according to PBSI.