Marine Protected Areas (MPAs), the Ecosystem Approach to Fisheries management (EAF) and Integrated Coastal Management (ICM) have been identified as possible alternatives to traditional linefish management measures, which have largely failed. Monitoring and assessment of fish communities on a long-term basis is necessary, and will provide a means to evaluate the effectiveness of such management measures. Therefore, standardised protocols and optimal sampling methods for long-term monitoring (LTM) and assessment of coastal fish communities are essential. This study aimed to identify suitable methods and develop a protocol for assessment of inshore reef fish communities. A suitable location for evaluation of proposed methods was identified in the warm temperate biogeographical region of South Africa, encompassing the well-established Tsitsikamma Coastal National Park MPA and an adjacent exploited area. Chrysoblephus laticeps (roman) was identified as an indicator species for the study, as it has been well-studied and is well represented in the area. Underwater visual census (UVC) and controlled fishing were identified as suitable methods. UVC transects were found to be superior to point counts, in terms of sampling efficiency, variability, bias and required sample size. An effort of two angler hours per fishing station was shown to provide low catch variability, while at the same time a representative catch and low overall cost and required time. The methods were incorporated in a proposed sampling protocol, and evaluated. The methods were able to detect known differences between protected and exploited communities. It is recommended that LTM within protected areas, for detection of natural change, be focused on community-level indicators, while LTM in exploited areas, aimed at detection of anthropogenic change, be focused on species-level indicators. The proposed protocol with standardised methods will allow for comparisons across a network of LTM sites and provide the opportunity for a broad-scale assessment of the effects of environmental variables on reef fish stocks. The protocol developed in this study has application in other biogeographical regions in South Africa, and other parts of the world. Shift in the focus of much marine research, in South Africa and elsewhere, to LTM, highlights the relevance and timeous nature of this study.

This thesis investigates the movement behaviour of South African two coastal fish species and evaluates the effectiveness of marine protected areas (MPAs) in their protection and management. Its primary focus is on resolving the movement patterns of roman Chrysoblephus laticeps (Sparidae) in and around the Goukamma and Castle Rock MPAs in the Western Cape province of South Africa. A pilot study of the methodology investigated the movement behaviour of spotted grunter Pomadasys commersonnii (Haemulidae) in the sheltered East Kleinmonde Estuary in the Eastern Cape province. The application of different tagging methods was tested in a controlled tank experiment. Tagged roman were monitored over a 198-day period. Barbed dart, t-bar anchor and Visible Implanted Fluorescent Elastomer (VIFE) tags were compared. Application techniques and underwater visibility of VIFE tags were tested on roman and on fransmadam Boobsoidia inornata in a pilot study. Needles of gauge 25 were found to be optimal for VIFE tag application. Whereas VIFE tagging caused fin rot in fransmadam, it had no negative effect on roman. VIFE tagged fish could be identified by divers from a distance of three metres under ambient light in an observation tank in five metres water depth. There was no significant difference in growth rate between groups of roman with different tags and controls after 198 days. High tag loss rates were experienced for barbed dart and t-bar anchor tags, although barbed dart tags performed better than t-bar anchor tags. Although some of the VIFE marks had deteriorated, all VIFE tagged fish were individually recognised at the end of the study. Conventional dart and VIFE tags are feasible methods to tag roman. However, the high tag loss rate of conventional tags must be taken into account in the design of a tagging study. Previous mark and recapture studies on roman are beset with a number of problems. Poor experimental design and low precision of capture positions resulted in equivocal results of limited value. A tagging experiment was designed to eliminate ambiguity in data interpretation and to produce a dataset that could be used to model roman residency and dispersal. A combination of conventional barbed dart tags and Visible Implanted Fluorescent Elastomer tags was used to tag roman in the Goukamma Marine Protected Area (GMPA) on the temperate South African south coast. Sixty one percent of roman were recaptured within 50 m of the tagging position. A small proportion moved considerable distances of up to four kilometres. The extent of these movements was not dependent on fish size or sex. Data from this experiment and from a previous tagging study in the Tsitsikamma National Park (TNP) were used to model the resident behaviour of roman. The model suggests a probability of 91% (GMPA) and 94% (TNP) of residency within a 10000 m² cell. This result suggests that individual roman will benefit from protection in small MPAs. A different experimental approach was required to investigate the exact home range of this species. Firstly the feasibility of using acoustic telemetry to study the movement of coastal fish in South Africa was investigated. The telemetry equipment comprised two VEMCO V8 transmitters and a VEMCO VR60 receiver linked to a directional hydrophone. A tank experiment was conducted to examine the effects of the transmitter implantation. A tracking experiment was conducted on spotted grunter Pomadasys commersonnii in the East Kleinmonde Estuary. Operated fish recovered quickly and, with respect to swimming behaviour and growth rates, no differences were found between fish with implants and controls. The maximum detection range in the estuary was 400 m. Interference between different transmitter frequencies was negligible. Transmitter location recordings were found to be accurate within five metres. Two fish were tracked over a seven-day period. The fish preferred the lower reaches of the estuary where they made repeated and prolonged use of specific areas. The success of the initial experiments allowed this method to be used to investigate the spatial utilisation and activity patterns of roman Chrysoblephus laticeps. Surgically implanted VEMCO V8, V13 and V16 transmitters were used to track 13 roman inside the Castle Rock MPA in False Bay. Transmitters implanted into C. laticeps in tanks had no apparent effects on growth and physiology. Manual boatand diver-based tracking experiments covered a 17-month period. A VEMCO VRAP radio acoustic positioning system was used over two one-month periods during and after the spawning season of roman. Analysis of data using a 95% fixed kernel algorithm suggests that roman are resident throughout their adult life, occupying home ranges between 1000 and 3000 m². Activity was lower at night. During periods of cold-water upwelling, fish retreated into caves. During the spawning season, females extended their home ranges, possibly to mate with different males. These results confirm that this species is well suited for protection and management with small MPAs. The effect of two MPAs on the South African south coast on the population of C. laticeps was simulated with a spatially explicit individual based model (IBM). Life history parameters determined in recent studies and the effect of fishing on the size of sex change was taken into account. Fish densities and size frequencies were based on recent underwater visual census. The distribution of suitable habitat in the study areas was also incorporated. The results show a rapid recovery of the fish size frequency spectrum and sex ratio to pre-exploitation levels inside both MPAs. Little 'spillover' of fish into the fished areas occurred resulting in negligible improvement of catches. The results suggest that for resident species like roman, even small MPAs offer sufficient protection.

Today’s household debt consists for the most part of credit money, and this general phenomenon does not only occur in Sweden. Money in the economy is mostly created by private banks, as much as 97 percent of the money in the United States, while central banks only create a very small share of all money. This is the reason for the oppressed household debt. During this period of high debt in Sweden, the household consumption has also increased in comparison to earlier years. The aim is to study and compare how the money supply in two different full-reserve systems, the Austrian through convertibility and the Chicago plan through quantity control, would reduce the household debt in relation to today’s fractional system. The method used in this study is a time series analysis where data of Sweden’s household debt, savings, money supply; M1 and M3, GDP, assets, currency reserves, gold reserves and interest rates has been collected for the years 2005-2013. These are further examined in three different equations. The data for all the variables was collected from SCB, IMF, Ekonomifakta and the World Data Bank. The first theory that is used in this study is Wicksell’s cumulative process which will explain how the money supply M3 affects household debt in today's fractional reserve system. The second theory is the Austrian Business Cycle Theory which will examine the money supply M1 effect on household debt through full reserves by convertibility control. The third theory is the Friedman rule, where the effect of household debt by money supply M1 will be examined. This rule explains how the Chicago Plan is affecting household debt through a full reserve system by quantity control. In the both systems, fractional reserves and full reserves, the debt will increase in this study. The result shows that with full reserves, the household debt would be backed by savings in comparison to fractional reserves, where household debt would be backed by credit money. Therefore, full reserves would contribute to a healthier economy in contrast to today’s fractional system. Since it would involve a large cost for Sweden to transcend to an Austrian system through convertibility, where price inertia would occur as well, the conclusion of this study is that the Chicago Plan, based on the quantity principle, is to prefer. / Största delen av hushållens skuldsättning består idag av kreditpengar, och detta generella fenomen finns inte bara i Sverige. Pengarna i ekonomin är för det mesta skapade av affärsbankerna, så mycket som 97 procent i USA, medan centralbanken endast skapar en liten del av dessa pengar. Detta är anledningen till de höga hushållsskulderna. Under den här perioden av hög skuldsättning i Sverige så har även hushållens konsumtion ökat i förhållande till tidigare år. Syftet med denna studie är att jämföra hur penningmängden i två olika hundraprocentiga reservsystem, den österrikiska konjunkturcykeln, genom konvertibilitet, och Chicago planen, genom kvantitetskontroll, skulle reducera hushållens skulder i relation till dagens bråkdelsreservsystem. Metoden som används i denna studie är en tidsserieanalys där data från hushållens skulder, sparande, penningmängd; M1 och M3, BNP, tillgångar, guldreserver, valutareserver och repo räntan har samlats in under åren 2005-2013. Dessa variabler är studerade i tre olika ekvationer och all data har samlats in från SCB; IMF, Ekonomifakta och the World Data Bank. Den första teorin som används är Wicksells kumulativa process som beskriver hur penningmängden M3 påverkar hushållens skulder i dagens bråkdelsreservsystem. Den andra teorin är den österrikiska konjunkturcykel teorin och kommer att undersöka penningmängden M1 effekt på hushållens skulder med ett hundraprocentigt reservsystem med konvertibilitetskontroll. Den tredje teorin är Friedmans regel, där effekten på hushållens skulder kommer att bli undersökt med hjälp av penningmängden M1. Denna regel förklarar hur Chicagoplanen påverkar hushållens skulder via ett hundraprocentigt reservsystem med kvantitetskontroll. Hushållens skuldsättning ökade i samtliga regressioner och resultaten visar att med hundraprocentiga reserver så skulle hushållens skulder vara backade med sparande, jämfört med bråkdelsreserver, där hushållens skulder skulle vara backade med krediter. Därför skulle hundraprocentiga reserver bidra till en mer välmående ekonomi. Eftersom det skulle tillkomma höga kostnader att övergå till ett österrikiskt system med konvertibilitet, så är slutsatsen av denna studie att istället implementera Chicagoplanen baserad på kvantitetsprincipen.

This study aimed to analyse the potential and challenges for ecotourism development and how it can be applied as an integrated tool to provide economic incentives and better opportunities for community development, while improving natural resource management and conservation in Isimangaliso. The capital assets, the context of vulnerability of the local communities along with other significant attributes of the supply side were investigated in-depth. In addition, the potentials and challenges for ecotourism development in the selected Isimangaliso, Khula Village were studied. The impacts of ecotourism on local livelihood improvement, biodiversity resources and natural environment, and management and conservation of the area were also explored through sustainability concepts. However, the focus of the study was not only on ecotourism potentials and opportunities but was also on the development of sound guiding principles for planning and management of ecotourism development in Isimangaliso in a sustainable manner. It was found that community‟s willingness to participate in local development and natural resource management remains a questionable issue to be achieved. This is because local communities are strongly influenced by vertical network of the state administration. The study reveals that there is a strong interaction and interdependency between local livelihoods or poverty and the status and effectiveness of natural resource management in Isimangaliso. The study indicates that the area has plenty of potential natural and cultural resources. These resources signify three fundamental elements for ecotourism destination: quantity, quality, and fascination. The natural attractions consist of vital and sensitive biological and scenic values of the destination area.

Repeated cold exposures and warmer winter temperatures might negatively affect insects by depleting stored fuel reserves. I researched the effects of fluctuating thermal regimes on two species of solitary mason bees (Osmia albiventris and O. lignaria) by quantifying mass loss and reserves of lipids, free sugars, and glycogen after experimental temperature treatments during early spring. In a second season, I quantified mass loss, time to emergence, and time to recover from chill coma after bees had been exposed to one of two spring-time temperature regimes. I found that warmer temperatures in combination with greater temperature variability increases mass loss and the depletion of fuel reserves. Additionally, my results suggest that accelerated bee emergence helps to mitigate mass loss. Overall, these bees appear resilient in the face of changing spring temperatures. Résumé: On sait peu sur la façon dont la variabilité environnementale affecte les abeilles solitaires sauvages. Ma recherche a étudié la façon dont les régimes thermiques fluctuants affectent la vigueur de deux espèces d'abeilles solitaires (Osmia albiventris et O. lignaria) en quantifiant la perte de masse ainsi que les réserves métaboliques (lipides, sucres libres, et glycogène) des abeilles suite à des manipulations expérimentales de la température printanière. Dans une deuxième saison, j’ai quantifié la perte de masse, le temps de l'émergence et le temps pour récupérer du coma froid après que les abeilles avaient été exposées à l'un de deux régimes de températures printanières. Mes résultats indiquent que les températures plus chaudes ont tendance à augmenter la perte de masse et des réserves métaboliques lorsqu'elles sont combinées avec une plus grande variabilité. De plus, mes résultats suggèrent que ces abeilles sont résilientes face aux températures printanières changeantes.

The subject of the diploma thesis is financial analysis of Fire Mutual Insurance Company from the year 2004 to 2008. The thesis consists of two parts- theoretical part and practical part. The theoretical part describes acceptable methods of financial analysis of commercial insurance company. On the basis of specific activities of insurance companies are selected the typical indicators for insurance company. The practical part of the thesis is focused on the application of selected methods of financial analysis for the Fire Mutual Insurance Company.

The thesis examines the influence of the Asian crisis on the position of the Asian Tigers in the current crisis. The aim of the thesis is to identify the main reasons due to which these countries relatively quickly overcame the current crisis. The aim will be achieved by comparison of the reactions of Asian Tigers' economic policies on impacts of the Asian and the current crisis. The thesis is divided into three chapters. The first chapter sets out the main causes of the Asian currency and financial crisis, analyzes the course of crisis and its impact on Asian newly industrialized countries. The second chapter describes the economic development of the countries in the period between the crises. Stabilization measures taken under overcoming the Asian crisis are also evaluated in this chapter. Furthermore, the second chapter analyzes the economic policy of Southeast Asian countries, which in response to the Asian crisis began to accumulate huge amount of foreign exchange reserves. The countries contributed with their policies to the deepening of global imbalances, which are related to the emergence of the current crisis. The third chapter is devoted to the current crisis. As in the first chapter, there are explained the main causes of the crisis, described the course of the crisis in the Southeast Asian countries and then discussed the most significant stabilizing measures that helped to Asian Tigers to overcome the crisis.

The thesis deals with the exchange rate policy of the People's Republic of China. The objective is to evaluate the effect of exchange rate policy on the current account balance and the monetary policy. The theoretical part of the thesis outlines basic concepts of the foreign exchange market and relevant theories. The following section deals with the evolution of exchange rate policies. The final part is devoted to the analysis of influence of renminbi exchange rate on current account deficit and monetary policy. When assessing the impacts of renminbi exchange rate on monetary policy, open market operations and reserve requirements of banks can be considered as a vital tool of monetary policy of China. The central bank employs interest rate adjustments as a secondary instrument of the Chinese monetary policy.

The aim of the thesis The role of independent loss adjusters in the insurance market is to analyze various situations and cases, that the independent loss adjusters during their praxis solve, and clarify procedures, including calculations of insurance settlement. The work is divided into theoretical and practical part. The theoretical part focuses on the specifics of the insurance and technical reserves. Thesis also describes job content of the independent loss adjusters including all the aspects, that are associated with it. The practical part deals with real situations with fictitious names and data.

The topic of this diploma thesis is the taxation issue in insurance which represents the specific sector of economy. The insurance helps people to deal with the financial consequencies of the realization of the random event. The first part of the thesis consists of taxation matter from the insurance company point of view. The main part focuses on the technical reserves which are the largest part of the liabilities. Consequently the attention is turned to the clients of the insurance companies and their employers In this part it is suitable to present the taxation principles of the natural person, the taxation of indemnity and the advantages resulting from the life insurance. The next chapter deals with the possible future developement and with the present situation on the insurance market. The thesis is completed with a practical example which concentrates on the taxation in 3 predefined situations.