The real estate industry is a sector where the companies generally have a capital structure which is high leveraged. The financing? with the related terms ? is therefore specifically of high importance for the companies in the sector. Traditionally, the way of obtain financing is by borrowing from the bank. Lately, due to new bank regulations, the banks have become more restrictive in their lending which have lead to a growth of other financing alternatives.

The real estate industry is a sector where the companies generally have a capital structure which is high leveraged. The financing? with the related terms ? is therefore specifically of high importance for the companies in the sector. Traditionally, the way of obtain financing is by borrowing from the bank. Lately, due to new bank regulations, the banks have become more restrictive in their lending which have lead to a growth of other financing alternatives.

The real estate industry is a sector where the companies generally have a capital structure which is high leveraged. The financing? with the related terms ? is therefore specifically of high importance for the companies in the sector. Traditionally, the way of obtain financing is by borrowing from the bank. Lately, due to new bank regulations, the banks have become more restrictive in their lending which have lead to a growth of other financing alternatives.

In Trollhättan municipality approximately 700 school bus stops are in service. To ensure high quality of the performance of school bus operations, with focus on traffic safety, it was decided to conduct a survey of bus stops including assessments of risks.This master thesis aims to identify the factors affecting road safety at bus stops and pedestrian connections, and to conduct an inventory and analysis of selected sites in Trollhättan municipality. The work also aims to show examples of how risk assessment should be performed in future studies. A risk analysis model provided by the Swedish Transport Administration is supplemented and used in a field study. The risk assessment is based on, inter alia, traffic flow, visibility distance, lighting, speed of traffic and the presence of bus shelter.

Background and problem: Financial reports are created for the users as decision support. Stakeholders are often subjects to information asymmetry. Banks represent one of the primary stakeholders and financiers of a company, and place great emphasis on financial reports in their credit assessment process. The question is, however, how useful the financial information actually is. According to previous research, banks consider accounting information as troublesome in some respects, mostly due to accounting choices and judgments.

Since the nineties the words customer, effectiveness and quality have become part of everyday school life. Municipalities? makes regular customer surveys to measure both independent schools as municipal schools ' quality. A common method for customer research and background studies is that parents and students are asked to respond to simple Web-based surveys. Customer satisfaction and/or customer dissatisfaction options are presented in tabular form, based on the percentage that expresses a particular position within a query.

WSP building physics in Stockholm has certified the preschool Temmelburken in Bromma with the system of certification Miljöbyggnad. The rating of the building became BRONZE. In this thesis the preschool has been investigated with respect to the three areas: thermal climate, use of energy and improving of the level of certification. The thermal climate at the preschool has been investigated by a questionnaire survey and by measurements in order to do comparisons between the results from the two investigations as well as with the results of the simulations that WSP has done at the certification of the preschool. The differences between the results from the simulations and the questionnaire survey for winter as well as from the measurement performed with a comfort meter the 19th of March are concidered to be reasonably small since they give rise to the same rating according to Miljöbyggnad.   Operational data for the use of energy for the preschool have been obtained in order to do comparisons with simulations performed by WSP and Svenska Besiktningar AB. The comparison shows that the simulated values for the specific use of energy are lower than what the real specific use of energy would be for the preschool, since just the operational data for the heat energy is higher than the simulated values. At the investigation of the possibility of improving the level of certification it was found that the rating of the preschool can be raised from BRONZE to SILVER by improving the ratings of the ?thermal climate summer? and the ?daylight?.

Since the nineties the words customer, effectiveness and quality have become part of everyday school life. Municipalities? makes regular customer surveys to measure both independent schools as municipal schools ' quality. A common method for customer research and background studies is that parents and students are asked to respond to simple Web-based surveys. Customer satisfaction and/or customer dissatisfaction options are presented in tabular form, based on the percentage that expresses a particular position within a query.

The investigation was initiated because of the high workload of the sellers and, additionally, because the Tunadal sawmill has received low ratings in customer surveys. Thus,  two main approaches are adopted here,  the first being to investigate which of the three methods  of working, namely, market divided flow organization, function organizationand flow organization with collaboration, proves to be the most beneficial. The second is to investigate whether there is an available method to ease the daily work. A literature review has been made in order to determine more efficient ways for the sellers to work in the Tunadal sawmill. During the investigation, an in-depth investigation into the total quality management using a balanced scorecard as a management tool was conducted.

ABSTRACTTitle: Basel II ? The New Basel Capital Accord and its influence on small Swedish banks and their retail banking and risk management.Seminar: May 24th, 2007Course: FEK318 Bachelor thesis in Business Administration, 10 Swedish creditsAuthors: Mattias Kjellberg, David Uhlmann & Ivana ZubacAdvisor: Joakim WinborgKeywords: Capital cover, capital requirements, Basel II, credit giving, credit risk, risk management, retail banking, small banks, pillar 2Problem: What influence does Basel II and the new updated management of credit risks in pillar 1 and the active risk control in pillar 2 have on small Swedish banks retail banking?Purpose: Our essay seeks to explore what influence pillar 1 and the new updated management of credit risks in the new capital accord Basel II have on small Swedish banks and what influence pillar 2 have. We also want to explain if Basel II has influences on small Swedish banks credit analysis and possible effects in their risk management and pricing.Methodology: In our essay we use an inductive approach and our chosen research method is the qualitative one. We have chosen to look into four small Swedish banks, and the empirical data is obtained from telephone interviews with selected respondents from Länsförsäkringar Bank, SkandiaBanken, GE Money Bank and ICA Banken.Conclusions:? The work with credit scoring does not get influenced by Basel II if the Standardised Approach is chosen.? Banks that?ve early implemented high technological systems in the organization, that small banks normally do, have gotten an easier transition to Basel II.? Basel II will result in a risk adjusted pricing and a more fair credit market.? Internal Ratings-based Approaches is very demanding to develop, but at the same time it?s a more risk sensitive approach.? Pillar 2 results in a more sophisticated work for the small banks.? Basel II results in a further price press on residential loans in Sweden..

Syfte: Att undersöka vilken ansträngningsgrad och spelupplevelse en grupp flickor respektive pojkar i åldrarna 13-16 år hade vid 15 minuters spelande på Nintendo Wii Sports boxning samt att göra en jämförelse mellan könen. Syftet var även att undersöka om det förekom ett samband mellan spelupplevelse och ansträngningsgrad.Metod: Ansträngningsgraden mättes med pulsklocka och skattning på Borg Ratings of Perceived Exertion (RPE). Spelupplevelsen mättes med en 1-5 skala. Tjugo friska försökspersoner (10 flickor och 10 pojkar) deltog i studien.Resultat: Den genomsnittliga pulsen för flickor var 117,2 slag/min (SD 17,7) och för pojkar 132,3 slag/min (SD 22,9). Flickorna skattade 13,9 på Borg?s RPE-skala (SD 1,1) och pojkarna skattade 13,4 (SD 2,4).

Horses respond individually to challenges, and the possibility to use these reactions to evaluate equine temperament with an objective instrument would have several advantages. Horse welfare could be improved by making it possible to find individuals best suited for a specific use, and understanding of the development of abnormal behaviours, such as stereotypies, could be increased. Management routines and training could be adjusted tosuit each individual horse and it could facilitate the selection of individuals appropriate for breeding. There are also economic implications, as horse buyers consider temperament important and after evaluating temperament, money can be spent solely on specific horses with all the right qualities. During the last decade, many attempts have been made to measure different aspects of temperament in horses, and the first aim of this project was to look at these studies and see which methods were used and which temperamental characteristics they measured.

Aim: The study aims to investigate the distribution of grades between students in a practical subject and in a theoretical subject.The problem:What is the grade distribution in physical education and mathematics, with respect to gender, socioeconomic background, parental education, ethnicity, and physical activity?Method:To answer the aim of the study a quantitative method was chosen. As the collection method used was questionnaires to 620 students in the 9th grade in Stockholm. Of the 620 questionnaires, 597 questionnaires were used for the static analysis. The method of analysis used cross tables and logistic regression analysis.

Aim: The study aims to investigate the distribution of grades between students in a practical subject and in a theoretical subject.The problem:What is the grade distribution in physical education and mathematics, with respect to gender, socioeconomic background, parental education, ethnicity, and physical activity?Method:To answer the aim of the study a quantitative method was chosen. As the collection method used was questionnaires to 620 students in the 9th grade in Stockholm. Of the 620 questionnaires, 597 questionnaires were used for the static analysis. The method of analysis used cross tables and logistic regression analysis.

SammanfattningBakgrund: Deep brain stimulation (DBS) i nucleus ventralis intermedius i thalamus (VIM) eller caudala zona incerta (cZi) ger goda effekter på tremorsymptomen för patienter med essentiell tremor. Patienterna som behandlats med DBS kan få bieffekter som i vissa fall leder till talpåverkan, så kallad stimuleringsinducerad dysartri. Huruvida det finns risk för bieffekter som drabbar röstens funktion hos patienter med essentiell tremor saknas studier kring men man vet att grundsjukdomen kan påverka rösten akustiskt samt att vissa patienter utvecklar rösttremor. Att drabbas av en bieffekt efter DBS kan ha en inverkan på hur patienten subjektivt upplever resultatet av behandlingen.   Mål: Att undersöka om patienter med essentiell tremor som genomgått DBS subjektivt upplever någon form av röst- eller talbesvär jämfört med en frisk, ålders- och könsmatchad kontrollgrupp. Metod: I studien deltog sammanlagt 42 deltagare varav 21 tillhörde en patientgrupp med essentiell tremor som genomgått DBS i cZi och de övriga 21 tillhörde en frisk, ålders- och könsmatchad kontrollgrupp. Deltagarna i de båda grupperna fick fylla i två formulär, RHI som berör röstens funktion och SOFT som berör talets funktion.