Asset management in insurance companies differs from conventional asset management to the extent that respect has to be taken to both assets and the commitments the insurance company has towards its customers. A model that has proven to fit well regarding the matching of assets and liabilities is the Asset Liability Management Model (ALM model). In addition to the matching in the balance sheet, the ALM model can be used in a company's work with strategic portfolio allocation by applying it as a basis for analyzing investment strategies with expected risk and return. From this, the ALM model also becomes relevant for calculating key figures according to the legal framework Solvens II which includes laws and regulations regarding the demands on economical strength (solvens) of insurance companies.Hence, the goal of this masters thesis has been to, on behalf of Bliwa Livförsäkring, create an ALM model to support the asset management department of Bliwa in their work with defining a credible way of analyzing the future risk and return of Bliwa's asset portfolio and insurance undertakings.The ALM model generally consist of four submodels, the scenario model, the liability model, the asset model and the company model, where the scenario model often is named as the core of the ALM model. The course of action has been to develop these submodels individually, with focus on the scenario model.

Body esteem is the affective aspect of body image, which is shaped by social experience. Compared with men, women have a more negative body image, which is more frequently correlated with depression and dysfunctional thoughts, especially in the case of eating disorders. The purpose of the present study was to examine gender differences in body esteem and its subcategories, and to find out whether there exists a stronger link between negative body esteem and higher levels of dysfunctional thoughts in women. The relationship between body esteem, dysfunctional thoughts and mental illness was examined. Participants were 73 college students doing social sciences and sports training educations.

This master thesis concerns whether Swedish non-financial listed firms act in accordance with the optimal capital structure theory and/or pecking order theory. The examined period is 1998-2004 and we discover that Swedish companies neither follow optimal capital structure theory nor pecking order theory. From our results we conclude that there exists no single point of the capital structure which is optimal. Rather it seems as if the optimal point lies in-between an interval from 0 to the industry average, where firms tend to be indifferent to their debt-ratios. Our results show that Swedish companies prefer internal financing followed by equity and as last choice debt issuance..

With this essay I have tried to give an image of some Swedish teenagers opinions about Islam. I have also done research on how the Swedish school depicts Islam and how the media in Sweden and other western countries describe Islam and Muslims. I have come to the conclusion that the media do not give a positive image of Muslims and their religion. One the contrary, Muslims are talked about in relation to negative subjects. This is an image that seems to have influenced how young people in Sweden look at Muslims.I have handed out a questionnaire at schools in Kalmar and Jönköping, Sweden.

A crisis situation that has been more commonly occurred in the industry of conveniencegoods lately is the product related crises which thereby has become a challenge for everymarketer to handle. As the negative publicity tend to enlarge the crisis and spread to thecategory as a whole, it's not only important to have a crisis management to handle crisesconcerning the company itself. But also to be ready to make the best out of the situationwhere the company is threatened to get infected by the negative effects caused by acompetitor.When companies get the chance to make a response on the negative publicity on theircompetitor, as well as the category, through media, the question is - shall they act And howshall they act Which response is the most effective to send out to get out of involvement, notget infected by negative spill over's or even - to make the valenced comparison a way togenerate positive effects and gain market share The purpose of this paper is thereby to find the optimal strategy for an organization in theindustry to handle their competitor's crises through a pronouncement in media. Anotherpurpose to address is whether the brand strength is moderating the effects from the differenttypes of responses tested in this study. This purpose aims to find guidelines depending onthese moderating effects.The paper commodiously, strongly supports that there are beneficial effects to be generatedfrom making a response in either positive or negative direction in oppose of actively choosingnot to make a pronouncement at all.

This paper aim to present a model for evaluating what we choose to call HTML-frameworks, a framework that contains a set of CSS layouts and occasionally JavaScript support, based on the characteristics of the software quality standard ISO/IEC 9126-1. The methods used to produce this model is based on a field study that involved making a web portal with the help of a HTML-framework, some relevant literature and an analysis of the framework based on the characteristics of the ISO/IEC 9126-1 standard. The result was a model based on twelve different characteristics; functionality, web browser compatibility, collaborative skills, user-friendliness, documentation, visuals, graphic layout, performance, activity, professional support, replaceability and license. This model should be viewed upon as a suggestion to what a model for choosing HTML-framework could look like, because we haven?t had the time to test it in a real situation, so further studies are needed, and we believe there could be improvements made in the objectivity of the assessments of the characteristics..

The purpose of this essay is to examine Banverket?s problems with its current financial model as it relates to reporting on operations and maintenance work, and to propose measures to simplify the model..

En sammanfattning av uppsatsen på maximalt 8000 tecken.Syftet är att visa hur värdet på en option hos ettrentingbolag förhåller sig till en optionsvärdering utifrån en traditionell teoretisk modell. Häri ingår också i syftet att skapa förståelse för hur rentingbolaget prissatt sin option. Vidare är ett delsyfte att beskriva hur en del av kunderna ser på värderingen av den option de har i avtalet med rentingbolaget.Vårt angreppssätt är deduktivt då vi utifrån befintlig teori har utformat en lämplig värderingsmodell. Vi har valt en kvalitativ forskningsmetod och med hjälp av en fallstudie undersökt ett fallföretag och en analysenhet, ett optionskontrakt.Teorin vi har använt oss av är optionsteori, binomial optionsvärdering och teori kring volatiliteten har hjälpt oss att värdera fastighetsoptionen i fråga.Undersökningar har visat att varken kunder eller Skandrenting använder sig av någon teoretisk optionsvärderingsmodell. Skandrentings option visade sig vara undervärderad i förhållande till vår teoretiska beräkning..

This report describes the building of a computer model that makes it possible to simulate the thermal climate in a greenhouse. The computer model is built on the physical theory of heat exchange that occur in a greenhouse, such as radiation and convective heat exchange. The model also includes the heat storage that is active in a greenhouse.The computer model is used to simulate the thermal climate in a greenhouse under three periods, winter, spring and summer. It also investigates which effect a concrete wall has on the thermal climate in a greenhouse. The purpose of putting a concrete wall in the greenhouse model is to investigate the possibility to store heat during the day and then use this heat when the temperature drops during the night.The result from the simulations shows that a concrete wall levels the big difference in temperature that normally occurs under a day in a greenhouse.

The purpose of this study is to find, understand and discuss the experiences of former employees at SAAB, and present how this can be understood according to my core theoretical concepts, which are participation and identity. The questions asked in the study are based on how the labor is described, characterized and what comes forth as valuable, which is compared to absence of labor work.First, labor is described in an historical and social context, and at the same time related to the core theoretical concept. Second, the methodology chapter is presented, which mainly consists of 11 observations and 10 interviews. Third, the chapter regarding former theory leads to an analysis model, which is used on the empirical material of the study.The result shows that labor work at SAAB primarily is described as important for socializing, security and the possibility to be independent. The tasks at SAAB are described as backbreaking and monotonous, while the lack of labor work influences the physical and mental wellbeing.

AbstractTitel: Hjälpen till ett drogfritt liv- En kvalitativ studie om återfall och återfallsprevention.Writers: Jonna Håkansson och Louise Hag.Keywords: Abuse, addiction, relapse, relapse prevention.   Abuse is a major problem and leads to negative consequences for the individual, such as illness, criminality and death. It?s also a big problem in the society, because the most common crimes are drug-related and the consequences lead to high economic costs. In order to overcome an addiction, treatment is often required.

 A villas price depends on several important factors. By statistical data, a mathematical multiple regression model was modeled. The model has important explanatory variables such as living space, renovation year and standard points has been taken into consideration, in order to assess their impact on the final price for private homes.By using a statistical program,Minitab 16, the final model was selected with eight explanatory variables. The regression for this model explains up to 67.3 % of the variation on the final price.The results showed percentage wise that the standard points had the greatest impact on the price, there after renovation year and then living space..

Because of new emission and on board diagnostics legislations, heavy truck manufacturers are facing new challenges when it comes to improving the engines and the control software. Accurate and real time executable engine models are essential in this work. One successful way of lowering the NOx emissions is to use Exhaust Gas Recirculation (EGR). The objective of this thesis is to create a mean value model for Scania's next generation EGR system consisting of a poppet valve and a two stage cooler. The model will be used to extend an existing mean value engine model.

Purpose: The purpose of this thesis is to examine the ERK model's relevance, validity and potential need of development to better reflect how it looks today (2013). Method: The study is conducted through three surveys; the first two were face interviews with companies that sponsor Swedish soccer teams and the third study was conducted with a questionnaire to supporters outside a soccer stadium. Results: A model that would better reflect the reality of today (2013) could contain company pride, chairman?s whim, exposure, relationships and associations..

The building industry are currently going through a huge alteration. The introduction of BIM (Building Information Modeling). Which also implements a lot of new ways of solving problems that building modeling can cause. This report is written for Uppsala University in cooperation with Temagruppen in Uppsala. However, it contains a comparison between two different systems that checks building models.