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Sverige behöver ett förbättrat konsumentkreditskydd. Fler sms-lån än någonsin har hittills i år hamnat i Kronofogdemyndighetens register som obetalda. Konsumenternas skydd är i stort sett verkningslöst, många sms-långivare missköter kreditupplysningarna och ger ut lån till människor som redan är skuldsatta. Förslag till förbättringar för konsumenternas skydd på sms-lånemarknaden finns. Nu återstår

The aim of this essay was to study how posters on the internet forum Flashback discuss social assistance and social assistance recipients. Research show that there is a tendency in today’s society to interpret the reasons for receiving social assistance as having individualistic causes. This is in spite of the fact that studies show that the individuals’ ability to provide for oneself often have s

Following rising remuneration levels, significant owner reactions to excessive executive pay, and a request for more executive accountability, there has been increased focus on disclosure of more complete information on the pay levels, program structure and performance criteria for key executives in most European markets. In general, the academic research in the area has been about the conformance

Letters of credit is an instrument of payment that is frequently used in international trade. Normally the buyer engage a bank which irrevocably promise to pay the seller when the seller (beneficiary) present a specific set of documents. The document’s purpose is to prove that the seller has fulfilled the obligation in the underlying contract of sale. The bank’s task is to investigate the document

Title: Identifying with fun and family in the time of changes and downsize. Seminar date: June 1st, 2009 Course: Masters thesis in Business Administration Programme for Managing People, Knowledge and Change, 15 University Credit Points (15 ECTS). Author: Ellert Örn Erlingsson and Elvar Ólafsson Advisor: Sara Louise Muhr Key words: Cultural family metaphor, Resistance, Cynicism, Organizational iden

Objectives: Implantable cardiac devices are common in patients with tetralogy of Fallot (ToF) (18.3–21.3%) according to previous reports from large centres. We conducted this study to investigate the prevalence and incidence of cardiac devices in a less selected population of patients with ToF and assess factors other than arrhythmia associated with having a device. Design: 530 adult (≥18 years) p

BACKGROUND: Maldescended testes or cryptorchidism is a genital birth defect that affects 2-9% of all male new-borns. Over the last 40 years there have been reports of increased prevalence in countries like the US, the UK and the Scandinavian countries. This possible increase has in some studies been linked to a foetal exposure to chemical pollutants. In this matched case-control study, we analysed

Objective: Autonomous cortisol secretion and possible autonomous cortisol secretion (ACS/pACS) are associated to an increase of cardiovascular risk factors such as hypertension, diabetes mellitus and dyslipidaemia. To our knowledge, the prevalence of smoking, another well-established risk factor for cardiovascular disease, has not been studied in detail in people with ACS/pACS or adrenal incidenta

The risk for type 1 diabetes is strongly associated with HLA-DQ and the appearance of beta cell autoantibodies against either insulin, glutamate decarboxylase (GAD65), insulinoma-associated protein-2 (IA-2), or zinc transporter 8 (ZnT8). Prolonged exposure to autoantibodies may be related to T cell exhaustion known to occur in chronic infections or autoimmune disorders. It was hypothesized that au

The effectiveness of counsellor support in addition to physical activity on prescription (PAP) from health care professionals has rarely been evaluated. This observational follow-up study investigated differences in physical activity levels and health-related quality of life (HRQoL) one year after PAP regarding patients’ use of counsellor support in addition to PAP in routine care. The study was c

Objective: This paper aims at examining the clinical characteristics of ischemic stroke patients with different levels of prestroke functional dependency, their long-term outcome, and determinants of five-year mortality. Materials and methods: We describe demographics, comorbidity, treatment, as well as long-term mortality, and functional status of 5899 prestroke-dependent ischemic stroke patients

Woody pastures represent keystone habitats for biodiversity in agricultural landscapes, contributing to increased resource availability, landscape heterogeneity and structural variability. High taxonomic diversity is closely linked to vegetation structure in woody pastures, but examining functional characteristics of species assemblages can shed more light on the ecological mechanisms driving dive