The aim is to develop a new decision-making model for credit-loans. The model will be specific for credit applicants of the OKQ8 bank, becauseit is based on data of earlier applicants of credit from the client (the bank). The final model is, in effect, functional enough to use informationabout a new applicant as input, and predict the outcome to either the good risk group or the bad risk group based on the applicant?s properties.The prediction may then lay the foundation for the decision to grant or deny credit loan.Because of the skewed distribution in the response variable, different sampling techniques are evaluated. These include oversampling with SMOTE, random undersampling and pure oversampling in the form of scalar weighting of the minority class.

One important issue faced by companies is to secure their information and resources from intrusions. For accessing a resource almost every system uses the approach of assigning a unique username and a password to all legitimate users. This approach has a major drawback. If an intruder gets the above information then he can become a big threat for the company and its resources. To strengthen the computer security there are several biometric methods for identity verification which are based on the human body?s unique characteristics and behavior including fingerprints, face recognition, retina scan and signatures.

The freshwater pearl mussel Margaritifera margaritifera is an endangered species. To survive, the young mussels demand a fairly coarse bottom material containing an appropriate quantity of organic substrate to survive without suffocating. In order to estimate if a bottom is suitable for juvenile mussels, samples of the sediment are needed. To obtain samples a sampling device called the Mulv collector has been developed within this project. Bottom samples were collected from 18 stations in 4 south Swedish streams, Vramsån, Kling-storpsbäcken, Brönnestadsån and Bräkneån.

BakgrundStickrädsla upplevs av var tionde person där rädsla kan beskrivas som en irrationell eller överdriven reaktion på en uppfattad hotande situation. Orsaken till rädslan beskrivs bero på ärftlighet och/eller inlärning, där symtomen som förekommer är framförallt av vasovagal karaktär. Vårdpersonalen har betydelse vid hantering av stickrädda personer, där en kompetent och lugn personal kan förmedla trygghet till patienten.SyfteSyftet var att beskriva stickrädda personers upplevelser av vården vid stickrelaterade ingrepp.MetodEn kvalitativ forskningsmetod med en semistrukturerad intervjuguide användes där inklusionskriterier inkluderade en ålder mellan 18- 65 år, anser sig lida av stickrädsla och inneha erfarenheter av stickrelaterade ingrepp. Convenience sampling samt snowball sampling användes som datainsamlingsmetod. En intervjuguide skapades och testades med två pilotintervjuer där totalt åtta intervjuer genomfördes och spelades in med ljudbandspelare.

To be able to measure high-surge voltages and transients with short rise times youneed measuring instruments with a high sampling frequency and large Bandwidth.These surges and transients occur primarily at lightning but can also occur at forexample at connecting errors at an electrical switch-gear. This report describes thework with finding two solutions for measuring and log data from these surges andtransients. One temporary solution where a measurement program has beendeveloped. A second solution where different company solutions have been analyzedto decide which fits best. For these measurement solutions two solutions for bringingdown the voltage has been used.

Det finns en rad satt att beskriva gallringsformen. Ofta används begreppet gallringskvot i dessa sammanhang utan att närmare ange vilken metod eller definition som använts for att beräkna den. Detta kan lätt leda till att missuppfattningar uppstår. Denna studie belyser olika definitioners känslighet for bland annat beståndsstruktur, gallringsform och stickvägsavstånd. Studien innehåller dessutom en jämforelse mellan olika metoder att mäta och uppskatta gallringskvoten i ett bestånd.

This thesis lays the foundation of the future routines of effective error repotring fortraffic devices in the raiway sector.If a device, for example a timetable display, stops working it is vital that the device isfixed as fast as possible so that the travelers dont miss any important information.The methods that are used today are old and not very effective. It can take time forthe repairmen to find the right device or locating the broken component. At the sametime he is supposed to maintain telephone contact with central control throughoutthe whole session.The need for a new, more effective, system is vital to make the whole repair pfocessmore effective and let the repairmen work without having to contact the centralcontrol by phone.I started this work by examining the possibilities of assigning every object with aunique identifier (ID tag) that could be accessed by a manual scan device. The ideawas that the ID tag could holw information about the object and be obtained byscanning the ID and get the information presented on a mobile device.The work also included building a internet application that enabled the reader to seeand change the information on the ID tag.The result was a database that stored information of different objects which could beobtained by scanning the ID tag and presented by a internet application..

To be able to measure high-surge voltages and transients with short rise times youneed measuring instruments with a high sampling frequency and large Bandwidth.These surges and transients occur primarily at lightning but can also occur at forexample at connecting errors at an electrical switch-gear. This report describes thework with finding two solutions for measuring and log data from these surges andtransients. One temporary solution where a measurement program has beendeveloped. A second solution where different company solutions have been analyzedto decide which fits best. For these measurement solutions two solutions for bringingdown the voltage has been used.

The purpose of this trial was to evaluate the possibility to use sampling of faeces, urine and plasma, and measurements of blood pressure as methods of discovering hypomagnesemia in horses, as well as the application handiness of these methods. The most commonly used method of checking the magnesium status of a horse is to analyze samples of serum or plasma. The trial was of a switch-back design, in which the horses were used as their own controls. The animal material was five Swedish warm blooded trotters between six to ten years old, and weighing between 485-620 kg. The trial consisted of three periods that were two months each.

Simulation of different systems can be done using a graphical model description of the system based on block diagrams. The simulation software Matlab/Simulink offers a lot of possibilities to describe a huge number of systems, which can be linear as well as nonlinear. The simulation using Matlab/Simulink is done by integration based on different kinds of numerical methods.When nonlinear Simulink-models are simulated, it is often interesting to apply a Kalman filter to handle the noise that may occur within the process as well as corrupting the measurement. However, application of such a filter leads to an extensive time-consumption despite using fast computers. The reason is that the existing Matlab functions are not constructed for time optimal evaluation.

The aim of this study was to investigate how individuals perceive the process of sexual/romantic attraction. A phenomenological approach was used, where the participants were asked to reflect as freely as possible upon a question formulated by the authors. 13 persons were selected through purposive sampling, eight men and five women, all between 20 and 30 years old were interviewed but only 8 were analyzed through phenomenological based software MCA-Minerva. The results showed that all participants talked about three steps; eye contact, closing the distance and conversation. In the latter step they differed regarding actions taken to attract.

To be able to measure high-surge voltages and transients with short rise times youneed measuring instruments with a high sampling frequency and large Bandwidth.These surges and transients occur primarily at lightning but can also occur at forexample at connecting errors at an electrical switch-gear. This report describes thework with finding two solutions for measuring and log data from these surges andtransients. One temporary solution where a measurement program has beendeveloped. A second solution where different company solutions have been analyzedto decide which fits best. For these measurement solutions two solutions for bringingdown the voltage has been used.

This is a study about the Swedish liming operation and the Swedish liming officer?s opinions of some aspects regarding ecology, economy and organization. The study objectives was motivated due to the recent changes in manuals for the assessment of limed waters and the suggested changes in decision making and decreased budget for liming. Moreover the anthropogenic acidification effects on the ecology are in many ways complex. Furthermore it was made in order to gain knowledge about the liming officer?s opinions in order to improve the ability to meet their needs regarding the assessment tools and also to investigate if other things can be improved concerning the liming operation.

The pathogenic fungus Rhizoctonia solani causes major economic losses for potato producers in Sweden. The producers, as well as advisors, have reported possible increases in severity of R. solani when free-living plant parasitic nematodes are present and active. There are several examples in the literature of interactions between pathogens where one, or both species, support or increase the damage made by the other organism. These complexes are important to investigate and to be able to forecast, since even low incidences of fungi or nematodes may result in an interaction of significance.

Background: Brand strategy tends to become an important management issue. It is therefore interesting to reach a greater understanding about how companies work to make their existing brands stronger. The purpose of a brand is to influence the customers? view of the brand image. The literature is insufficient concerning how leaders handle the process of repositioning a brand, in order to change the brand image.