STÁRKOVÁ, Zuzana, Development of financial literacy, Prague, 2012. Zuzana Stárková - Charles University in Prague - Husitská teologická fakulta. Supervisor, Prof. PhDr. Beáta Krahulcová, CSc. Main topic of the diploma thesis is financial literacy, more specifically the risk of its consequences. First part of the thesis deals with definition of financial literacy, its causes and consequences. Next chapters are devoted to monetary literacy, ignorance of which causes many problems in the area of credits, loans and subsequently may lead to indebtedness. This part of the text defines important key words, whose knowledge in essential for using of banking services and products Last chapters of the theoretical part introduce the Consumer Protection Act and the issues of seizures and insolvency. Main objective of the practical part of the thesis is to carry out a research among university students in order to summarize the level of their awareness, knowledge and experience in the financial area.

Leaf rust and stripe rust of wheat (Triticum aestivum L.) are caused by the fungal pathogens Puccinia triticina, and Puccinia striiformis f.sp. tritici, respectively. In North America, the incorporation of adult-plant resistance (APR) genes into breeding lines has been an important strategy to achieve durable resistance to both diseases. Previously, the spring wheat cultivar AC Domain was reported to express an effective level of adult-plant resistance (APR) to leaf rust under field conditions. Early gene postulation work had suggested AC Domain might carry the APR gene Lr34 due to its phenotypic similarity to other Lr34 carrying lines. However, new gene specific markers have shown that AC Domain is not a carrier of Lr34. The objective of this research was to genetically localize the resistance in AC Domain, which is important because the cultivar has frequently been used as a parent in Canadian breeding programs, primarily for its value as a source of pre-harvest sprouting resistance. A mapping population of 185 doubled haploid (DH) lines derived from the cross ‘RL4452’ by ‘AC Domain’ was used for this study. RL4452 is a known carrier of Lr34. During 2011-2012, the DH population was evaluated in field leaf rust nurseries at Saskatoon, SK and Portage, MB and at a stripe rust nursery at Lethbridge, AB. Field results indicated that rust resistance in the mapping population was variable, with lines ranging from highly resistant, to highly susceptible. DH lines carrying Lr34 showed a high level of resistance to both diseases. Thus, the non-Lr34 carriers were genotyped using select SSR markers, and by an Illumina 9k Infinium iSelect SNP assay for subsequent quantitative trait loci (QTL) analysis. QTL analysis revealed that AC Domain donated a major resistance QTL located on chromosome 2BS, that mapped 46 cM proximal to markers linked to Lr16, and explained a significant portion of the leaf and stripe rust phenotypic variance in all test environments. In addition, this QTL was significantly associated with the expression leaf tip necrosis (LTN), reduction in area under the disease progress curve (AUDPC), and coefficient of infection (CI). In certain environments the interaction between the 2B QTL and Lr34 was additive resulting in a superior level of rust resistance. Indoor rust testing showed AC Domain was susceptible to both diseases at the seedling stage. Taken together these results suggest that the identified resistance in AC Domain is likely due to the presence of an APR gene, on chromosome 2BS.

The purpose of this thesis is to provide advice to potential applicants for consumer credit on how to navigate in a wide range of loans on the financial market. A potential candidate for a loan was identified as well as an appropriate methodology to be used for comparison of non-purpose loans and then I analyzed the offers of five selected institutions (3 banking and 2 non-banking). The next purpose of this thesis was to design qualifying questionnaire survey focused on consumer loans and confirm the hypothesis that there is no difference between the candidates with lower or higher income with which institutions they apply for a credit.

This thesis deals with the analysis of the annual percentage rate (APR) and other key parameters of the consumer credit with regard to observance of the legal rules by major providers of the consumer credit on the Czech credit market. The first part deals with the economic implications of the consumer credit. It focuses mainly on the analysis of the indebtedness of Czech households on the consumer credit market. The second part deals with the legal implications of consumer credit, mainly legal requirements that are imposed on providers of the consumer credit. The third part provides the analysis of the APR indicator on the consumer credit and on the short-term loans. On the basis of the defined consumer credit models is provided the comparison of the APR for each credit both in terms of its compliance with the current legislation and in terms of the provider of the consumer credit. The final part deals with the specific recommendations for the financial literacy development and for the future legislative development.

This thesis investigates how Large Language Models can be used to repair Solidity Smart Contracts automatically through the main contribution of this thesis, the Transformative Repair Tool. The Transformative Repair Tool achieves similar results to current state-of-the-art tools on the Smartbugs Curated Dataset and is the first published tool that uses Large Language Models to repair Solidity Smart Contracts. Moreover, the thesis explores different prompt strategies to repair Smart Contracts and assess their performance. / Detta masterexamensarbete undersöker hur stora språkmodeller kan användas för att automatisk laga solidity smarta kontrakt genom verktyget Transformative Repair Tool, som är detta masterexamensarbete huvudsakliga bidrag. Transformative Repair Tool presterar liknande som dagens bästa verktyg inom automatisk lagning av smarta kontrakt på Smartbugs Curated datasettet och är det första publicerade verktyget som just använder stora språkmodeller för att reparera solidity smarta kontrakt. Dessutom så utforskar denna rapport olika textprompts och dess prestanda för att laga smarta kontrakt

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