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Popular Abstract in Swedish Bankerna har under de senaste decennierna konfronterats med och genomgått stora förändringar. En global ekonomi har vuxit fram och konkurrensen inom banksektorn har hårdnat, vilket bl a har resulterat i mindre räntemarginaler på lån och krediter. En konsekvens av detta är att man har tvingats minska resurserna som spenderas på varje enskild kund, vilket i sin tur har leThe competition in the banking industry has during the last decades been intensified resulting in smaller interest margins. As a consequence, the resources spent on each credit customer have had to be decreased, resulting in less interaction and a perceived limited access to valuable information. This has especially been the case in the banks´credit management of small firms. Earlier research app

Approximately 800 genes coding for seven-transmembrane, G-protein-coupled receptors have so far been recognized. In spite of this, many of these receptors are defined by their sequence only, and are therefore classified as orphan receptors. Without knowing what their endogenous ligands are, we lack the information needed to understand their physiological role and hence cannot make use of them as d

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1. Growth and reproduction of Daphnia fed lake seston were measured in two categories of meso- to eutrophic lakes differing with respect to terrestrial organic matter influence (humic and clear water lakes). The content of highly unsaturated fatty acids (HUFA), P and N, as well as the taxonomical composition of seston were analysed.2. Seston HUFA and C : P ratios were similar between lake categori

Reference tactics – the art of guiding in the unknown How can academic librarians overcome the knowledge gap between themselves and library users? As we see it, the gap is generated by the user’s deeper knowledge of the subject topic in comparison to that of the librarian. This knowledge gives the user possibilities of handling certain premises attached to the subject and also of seeing how sub-to

The article analyses scholarly works dealing with problems of how Holocaust history has been used in post-war Europe.

Holocene environmental and climatic changes are reconstructed using analyses of biological proxies in lake sediments from Vuolep Njakajaure, a lake located near the altitudinal treeline in northern Sweden (68 degrees 20' N, 18 degrees 47' E). We analysed biological proxy indicators from both aquatic and terrestrial ecosystems, including diatoms, pollen and chironomid head capsules, in order to rec

Objective. Lower urinary tract symptoms (LUTS) due to benign prostatic hyperplasia (BPH) are a common condition in men, and their incidence increases with age. The objective of this study was to evaluate the potential cost-utility of microwave thermotherapy, specifically the ProstaLund Feedback Treatment (PLFT), versus alpha-blockade in Swedish patients with LUTS due to BPH. Material and methods.

Adherence by Helicobacter pylori increases the risk of gastric disease. Here, we report that more than 95% of strains that bind fucosylated blood group antigen bind A, B, and O antigens (generalists), whereas 60% of adherent South American Amerindian strains bind blood group O antigens best (specialists). This specialization coincides with the unique predominance of blood group O in these Amerindi

Compulsory school can appear to be uniform because it is common. Its commonness has however more to do with compulsory school attendance than with the fact that all the pupils utilizes education of equal value. Beyond social differences compulsory school creates differences among the pupils just because they are kept in school. In this article three reasons for beeing in school are identified: co

Bone morphogenetic protein-2 (BMP2) plays a key role in bone formation and maintenance. Studies of polymorphisms within the gene in relation to bone mineral density (BMD) and fracture have been inconsistent. Our aim was to investigate associations between polymorphisms in the BMP2 gene and bone mass, fracture, and quantitative ultrasound (QUS) measures at different stages of skeletal development.

It is proved that existence of a density function is both necessary and sufficient for almost global stability in a nonlinear system.