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.

Organic agriculture is financially promoted in Sweden by special environmental support and as consumers we are all encouraged to buy organic food. At the same time scholars at the Swedish University of Agricultural Sciences claim that organic farming does not provide any environmental benefits. The main criticism is that organic farming has lower yields than conventional, which means that more land is needed to produce the same amount of food as in conventional farming, leading to deforestation and loss of biodiversity. As for climate change, the critics claim that the significantly higher productivity in conventional crop production compared to organic, releases surplus land, which could be used for bio-fuel production and thereby replace the fossil fuels. The critics also claim that organic farming causes higher nutrient leaching than conventional.

To Swedes in general and, to hunters in particular, there is a great interest for moose (Alces alces), witch is Sweden?s largest deer species. In the province of Öland (Sweden?s second largest island) the local people show a great interest for the moose existence, both for consumptive (hunting) and non-consumptive use (tourism). This became apparent in 2002 when the moose hunters on Öland voluntary agreed to temporarily postpone the moose hunt on the island.

Resin-top disease is a rust fungi that occurs both as a host alternating form, Cronartium flaccidum G. Winter., and as a non-host alternating form, Peridermium pini Pers. The host alternating form can use a variety of hosts but the most commonly used species in the boreal forest is Melampyrum sylvaticum. In Scandinavia the Resin-top disease infect Scots pine, Pinus sylvestris L. The fungus infects the needles through the stomata and then grows through the branch to the stem where it strangulates the vessels transporting water and nutrition to the treetop, which kills the top.

AbstractThe genetic diversity in cultural plants is considered to be threatened due to global climate change and antropogenic influence. Unknowing of future conditions for cultivation, gene banks all over the world are now trying to build up costly safety nets of species and varieties that may become highly valuable owing to their specific traits and genetic heredity. Hence, in 2002 there was a national inventory, aimed at the Swedish public, asking for seeds believed to be lost. Among the resulting collected seeds were some accessions of garden bean, Phaseolus vulgaris. The objective of this particular study was to assemble a collection of unique varieties and discard possible duplicates.

Analyses of pollen and charcoal in peat cores, together with age-structure data of Pinus sylvestris from a Ledum-Pinus-mire in the Tyresta National Park (south-east Sweden) show the regional vegetation succession and fire history over the last 9000 years. Five major stages of mire development are identified: 1. Lake (c 7000-6400 cal BC); 2. Wet fen (c 6400-6000 cal BC); 3. Deciduous fen (c 6000 cal BC to c cal AD 700); 4.

Many watersheds have lost stocks of migrating fish species because of the development of hydroelectric plants and other fragmenting barriers. The remaining stocks of migrating Atlantic salmon (Salmo salar) and brown trout (Salmo trutta) in River Klarälven, Sweden are five times smaller compared to one hundred years ago. A fish-trap at the hydroelectric plant in Forshaga has been vital for the continued existence of the stocks. This is the first hydroelectric plant of eight, blocking the way to the spawning grounds. Spawners are collected in the trap for both hatchery and transport by truck upstream and past seven more hydroelectric plants to the spawning grounds, where they are released for possible natural reproduction.

Cardiac troponin I (cTnI) is considered a specific and a sensitive biomarker of cardiac disease, and due to a high inter-species sequence homology; human cTnI assays can often be used in veterinary medicine. The main aim of this study was to perform an initial evaluation of a human cTnI test, the Meritas Troponin I test, for measurement of equine plasma cTnI, in order to investigate whether the test could be a possible subject for a more comprehensive validation. The hypothesis was that the test could measure equine cTnI, as there is a good homology between equine cTnI and human cTnI. The evaluation included a dilution parallelism, an intra-assay precision study and measurement of plasma cTnI healthy horses. In the dilution parallelism and the intra-assay precision study, equine plasma with previously established high cTnI concentration, according to another cTnI assay, was used. In addition, cTnI concentration was measured in plasma, collected from 19 horses, without signs of disease at physical and ECG examinations. The obtained curve in the dilution parallelism was linear, indicating that the Meritas Troponin I test can be used to measure different concentrations of equine cTnI in plasma.

Megalaria grossa is classified as Near treatened on the Swedish Red List. It is also a so called signals spieces, e. g. a spieces that function as an indicator, signalling a forest that is worthy of protection. The aim of this study was to clarify the status at selected localities in the province of Uppland and Gotland.

Russian comfrey, Symphytum x uplandicum, was tested as a plant nutrient source in a trial with tomatoes. Comfrey liquid was produced by Stiftelsen Holma i Höör. Tomato plants of the cultivar Aromata planted in a medium of soil:peat (1:1) enriched with organic nutrients and lime, were fed with comfrey liquid plus Biofer, in three different concentrations. Two different concentrations of BioRika were used as comparison, along with an unfertilized control group. In the comfrey treatment I a total amont of 1g N, 0,23 g P, 0,84 g K, was given to the tomatoes.

Tomato production is a common and important agricultural activity in Nicaragua. During the last decades tomato producers have suffered great yield losses due to begomoviruses (family Geminiviridae). The genome of begomoviruses generally consists of two circular ssDNA components, DNA-A and DNA-B. Tomato yellow leaf curl virus (TYLCV) is an example of a begomovirus with only one component. An approach to manage the virus epidemics has been to breed a cultivar with begomovirus resistance genes, which have been transferred from wild tomato.

Light has always fascinated humans but ever since the invention of the first light bulb, the use of artificial lighting has accelerated dramatically. Darkness has never been as rare as today and the overuse of lighting has created a new phenomenon called light pollution. Most living beings are biologically dependent on the recurrent twenty-four-hour rhythm of light and darkness, called the circadian cycle. Human beings are evolutionary developed after this circadian rhythm and the effects of constant artificial light is yet unknown. Scientists fear the consequences of constant lighting and what it means physically, mentally and philosophically for the human species.

In the 1980?s the moose population in Sweden grew explosively due to big changes in the silviculture with clear cuttings instead of single-tree selection. Clear cuttings brought big areas of young forest and therefore a lot of fodder in one place. Since this change, the discussion about how to manage the moose population has grown into a very big problem. Forest owners think that the population needs to be strongly reduced because of all the damage that is done to the young forest when the moose seeks its food, and the economic losses because of that.

Diabetes mellitus is characterised by persistent hyperglycemia in all species. Fructosamine is a glycated protein reflecting blood glucose concentration during the preceding weeks. It has become a valuable analysis to differentiate persistent hyperglycemia from transient stress induced hyperglycemia in cats. It is also used to evaluate current therapy in diabetic patients. Although fructosamine is a well accepted analysis, it is sometimes regarded with scepticism.

AbstractThis essay is about what rights that a consumer has, after it?s been to a beauty-shop getting a treatment somewhere on her body. We were interested to see what kind of regulations that could be useful if a problem occurred after or during treatment. There are several risks with these treatments.The last decade these kinds of treatments have increased, due to people being vain and so aware about there looks. We started to investigate what type of rights the consumer generally has when it?s about a service.