Bakgrund: I takt med att antalet miljonärer ökat i Sverige har antalet private banking-kunder ökat. Private bankings främsta syfte är att genom rådgivning uppnå kundens finansiella mål, utan att falla i psykologiska fallgropar. För att kunna upprätthålla en effektiv rådgivning krävs en djupare kunskap om förekomsten av psykologiska fallgropar och deras påverkan på rådgivningsprocessen inom private banking.Syfte: Syftet med uppsatsen är att kartlägga private banking rådgivares kännedom och strategier inom rådgivningsprocessen med fokus på problematiken med anchoring och framing. Uppsatsen syftar även till att, med utgångspunkt i ämnets relevanta teorier och tidigare forskning, analysera och utvärdera hanteringen av anchoring och framing i rådgivningsprocessen inom private banking.Genomförande: Uppsatsens explorativa tillvägagångssätt och kvalitativa ansats kombinerar en litteraturstudie med intervjuer och tester med tio verksamma rådgivare inom private banking. Den insamlade empirin utgör grunden för kartläggningen av private banking rådgivarnas kännedom och strategier i rådgivningsprocessen kopplat till problematiken kring anchoring och framing. En kartläggning som tillsammans med ämnets relevanta teorier och tidigare forskning analyseras och utvärderas för att addera mervärde till rådgivningsprocessen.Slutsats: Anchoring och framing förekommer inom rådgivningsprocessens samtliga delar och hanteras omedvetet av private banking rådgivarna. Rådgivarna har en låg ingående kännedom om fenomenen anchoring och framing men banken har ett intresse i att fördjupa sin kunskap inom forskningsområdet. Anchoring och framing är inte ett problem av avgörande bemärkelse vid rådgivning inom private banking. / Background: As the number of millionaires increased in Sweden, the number of private banking clients increased. The primary purpose within private banking is to achieve the client's financial goals through advising, without falling into psychological biases. In order to maintain an effective consulting requires a deeper knowledge of the existence of the psychological biases and their impact on the consulting process in private banking.Aim: The purpose of this thesis is to identify private banking advisers knowledge and strategies in the consulting process with a focus on the problematics of anchoring and framing. The thesis also aim to, based on relevant theories and previous research, analyze and evaluate the handling of anchoring and framing in the consulting process in private banking.Completion: The thesis exploratory and qualitative approach combines a literature review with interviews and tests with ten active advisers within private banking. The collected empirical data form the chart of private banking advisers knowledge and strategies in the consulting process with focus on the problematics of anchoring and framing. A chart which together with relevant theories and previous research is analyzed and evaluated in order to add value to the consulting process.Conclusion: Anchoring and framing exists in all parts of the consulting process and the private banking advisers handled their existence unconsciously. The advisers have a low ingoing knowledge of the phenomena anchoring and framing, but the bank has an interest to deepen their knowledge of the research field. Anchoring and framing is not an issue of vital sense in consulting process within private banking.

Abstract   Background The sea levels have risen about 10 cm since 1993 and will continue to rise due to global warming along with the expected increase in population. The rise will decrease the available landmass for settlements and raw material production. The increasing population needs to fit in an increasingly smaller area on a planet covering 30 % of the earth's surface, the rest is water. The covered area will increase as the ice caps covering the poles melts due to global warming. One solution to settle this increasing population would be on man-made floating islands on the sea around already established major cities. This would create an artificial increase in available dwelling space for people to live without covering more of the decreasing land. Stockholm tiny house expo is an organization that wishes to build a self-sustaining floating island in the Stockholm archipelago.   Objectives The objectives of this thesis are to analyze already present structures and how they have solved problems regarding anchoring permanent floating structures. From these, a few solutions will be presented regarding how a yet-to-be-built, man-made island could be securely anchored in Stockholm’s archipelago. In addition to anchoring, there exists a conceptualized desire to rotate the island to extract as much solar energy over the duration of the day. By rotating the island in sync with the sun, the efficiency of the solar cells will increase by decreasing the solar incident angle when striking the photo-voltaic throughout the day. This is one small step towards creating a larger island aimed to become a symbol for the EU: s sustainable development goals. Finally, different solutions will be presented allowing the island to be securely anchored while still being able to rotate.    Methods Design thinking was the method of choice because of the creative and innovative aspects of the project. Design thinking provides inspiration and ideas from already present technology to be gathered and compared to each other. The iterative nature of design thinking aided in discovering ideas while problems occurred. Information gathering was conducted through mainly tech- and trend-watching since existing technology on the market can be modified to suit the problem. Solutions and products in markets adjacent to maritime technologies were explored to gain broader inspiration in accomplishing rotation of the island. Interviews were conducted with the customers to gather enough information for the need-finding as well as using personas. Design decisions were supported by Pugh and Quality Function Deployment (QFD) matrices.    Results The results proposed three potential solutions to rotate the island with one proven insufficient after a deeper investigation. The two remaining solutions were believed to be sufficiently capable of withstanding the forces acting upon the island from the wind and waves. The second concept presented rotates the island through a gearbox situated in the island's center of mass. This solution requires the island to be rigidly anchored, so the rotation has something to push against. The final concept utilizes as many off-the-shelf components as possible and creates a rotational torque with traditional outboard boat motors. This solution is anchored with ropes or chains and traditional anchors used for houseboats or floating bridges.     Conclusions. The conclusion is that the rotation should be avoided since the benefit of aiming the solar panels towards the sun does not outweigh the energy costs of rotating the whole island. Instead, the focus should be on either rotating the solar panels individually or storing the energy gathered during the day. If the rotation is still desired, the traditional boat motors would be the choice based on reliable products and technology existing in today's market and their ability to counteract the forces caused by the wind.

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This study aims to examine what factors retailers and real estate owners deem important in the process of determining expected rent levels in today's climate within retail where e-commerce is growing at a quick pace. The elements of the research questions stand on the foundation of the theory of rational expectations as well as the theory of anchoring. The method used is of qualitative nature where a case study consisting of two cases have been conducted. One in which interviews with representatives from three geographically distinct selected shopping centres have been carried out and another in which representatives from well-established retail companies have been interviewed. From these two case studies, insights regarding the existing discrepancy between the two parties, retailers and real estate owners, have been gathered. It is concluded that expectations about the future have significant impact in rent negotiations and that differences in expectations might be adding to the existing discrepancy. Moreover, results of the study indicate that retailers and real estate owners might be subject to self-inflicted anchoring in rent negotiations. The study contributes to research in further generalizing two well established theories by providing insights on how the rational expectations' theory as well as the anchoring theory could be applied on rent negotiations. / Denna studie syftar till att undersöka vilka faktorer butiks- och fastighetsägare anser vara viktigast i att bedöma förväntade hyresnivåer mot bakgrund av dagens klimat inom fysisk handel där e-handel tar marknadsandelar. Studien tar avstamp i teorin om rationella förväntningar samt teorin om anchoring. Metoden som har använts är av kvalitativ natur där två fallstudier har utförts. En fallstudie där intervjuer med representanter från tre geografiskt skilda köpcentrum har utförts samt en fallstudie där intervjuer har genomförts med representanter från väletablerade butikskedjor. Genom dessa två fallstudier har insikter gällande den upplevda diskrepansen mellan de två parterna utkristalliserats. Det går att konkludera att förväntningar om framtiden har en betydande påverkan på förväntade hyresnivåer och att en anledning till den ovan nämnda diskrepansen kan vara att förväntningarna om framtiden skiljer sig parterna emellan. Dessutom visar resultaten av studien på att butiks- och fastighetsägare, i vissa fall, kan vara föremål för en självförvållad anchoring-effekt vilket innebär att de blir låsta vid vissa hyresnivåer i samband med hyresförhandlingar. Den här studien bidrar till forskningen i att ytterligare generalisera två väletablerade teorier genom att ge initial vägledning i hur teorin om rationella förväntningar samt anchoring kan tillämpas på hyresförhandlingar.

In this thesis, we study six Ginzburg-Landau minimization problems in the context of two-dimensional nematic liquid crystals with the intention of finding conditions for the existence of boundary vortices. The first minimization problem consists of the standard Ginzburg-Landau energy on bounded, simply connected domains Ω ⊂ R2 with boundary energy penalizing minimizers who stray from being parallel to some smooth S1-valued boundary function g of degree D ≥ 1. The second and third minimization problems consider the same Ginzburg-Landau energy but now with divergence and curl penalization in the interior and boundary function taken to be g = τ, the positively oriented unit tangent vector to the boundary. The remaining three problems involve minimizing the same energies, but now over the set for which all functions are precisely parallel to the given boundary data (up to a set for which their norms can be zero). These six problems are classified under two categories called the weak and strong orthogonal problems. In each of the six problems, we show that conditions exist for which sequences of minimizers converge to a limiting S1-valued vector field describing an equilibrium configuration for nematic material with defects. In some cases, energy estimates are obtained that show vortices belong to the boundary exclusively and the exact number of these vortices are known. A special case is also studied in the strong orthogonality setting. The analysis here suggests that geometries exist for which boundary vortices may be energetically preferable to interior vortices in the case where interior and boundary vortices have similar energy contributions. / Thesis / Doctor of Philosophy (PhD)

Apresentamos um novo cristal liquido liotrópico, onde o álcool (utilizado nas misturas liotrópicas com fases nemáticas biaxial e uniaxiais), é substituído por um detergente. Essa nova mistura é composta por laurato de potássio, cloreto de decilamônia e água e apresenta fases nemáticas uniaxiais, calamitica e discótica, e biaxial. É apresentada uma superfície do diagrama de fases dessa mistura e são determinados alguns parâmetros microscópicos. Nesse estudo são utilizadas as técnicas de microscopia óptica de luz polarizada, conoscopia e difração de raios x. É feito um estudo comparativo da estabilidade química desse sistema, em relação à mistura com álcool. É feito um estudo sistemático das propriedades de ancoramento de cristais líquidos liotrópicos em superfícies de vidro (lisas e com ranhuras), utilizando a técnica de microscopia óptica de luz polarizada. Um novo fenômeno é observado, o deslizamento do diretor na superfície de contorno. Um modelo qualitativo, é proposto, baseado na existência de urna bicamada anfifílica, com defeitos, na interface. São determinados os tempo de orientação e tempo de relaxação para as amostras e os resultados são comparados às previsões do modelo proposto. Também é apresentado um método de tratamento de superfícies de vidro para orientação de cristais líquidos liotrópicos. / We present a new lyotropic liquid crystal, where the alcohol (used in lyotropic mixtures that present biaxial and uniaxial nematic phases) is substituted by a detergent. This new mixture is composed by potassium laurate, ammonium decylchloride and water and presents uniaxial and biaxial nematic phases. A surface of the phase diagram os this mixture is presented and some microscopical parameters are determined. In this investigation the techniques of polarised optical microscopy, conoscopy and X ray- diffraction are used. The chemical stability of this mixture is compared to the mixture with alcohol. The anchoring properties of lyotropic liquid crystals on glass surfaces (smooth and with grooves) are also investigated, using optical polarising microscopy. A new phenomen is observed, the gliding of the director at the boundary surfaces. A qualitative model is proposed, based on the existence of an anphiphilic bilayer with defects, at the interface. The orientation and relaxation times are determined and compared to the ones predicted by the model. It is also presented, a method for treating glass surfaces with ferrofluid that is applied to orient lyotropic liquid crystal samples.

Apresentamos um novo cristal liquido liotrópico, onde o álcool (utilizado nas misturas liotrópicas com fases nemáticas biaxial e uniaxiais), é substituído por um detergente. Essa nova mistura é composta por laurato de potássio, cloreto de decilamônia e água e apresenta fases nemáticas uniaxiais, calamitica e discótica, e biaxial. É apresentada uma superfície do diagrama de fases dessa mistura e são determinados alguns parâmetros microscópicos. Nesse estudo são utilizadas as técnicas de microscopia óptica de luz polarizada, conoscopia e difração de raios x. É feito um estudo comparativo da estabilidade química desse sistema, em relação à mistura com álcool. É feito um estudo sistemático das propriedades de ancoramento de cristais líquidos liotrópicos em superfícies de vidro (lisas e com ranhuras), utilizando a técnica de microscopia óptica de luz polarizada. Um novo fenômeno é observado, o deslizamento do diretor na superfície de contorno. Um modelo qualitativo, é proposto, baseado na existência de urna bicamada anfifílica, com defeitos, na interface. São determinados os tempo de orientação e tempo de relaxação para as amostras e os resultados são comparados às previsões do modelo proposto. Também é apresentado um método de tratamento de superfícies de vidro para orientação de cristais líquidos liotrópicos. / We present a new lyotropic liquid crystal, where the alcohol (used in lyotropic mixtures that present biaxial and uniaxial nematic phases) is substituted by a detergent. This new mixture is composed by potassium laurate, ammonium decylchloride and water and presents uniaxial and biaxial nematic phases. A surface of the phase diagram os this mixture is presented and some microscopical parameters are determined. In this investigation the techniques of polarised optical microscopy, conoscopy and X ray- diffraction are used. The chemical stability of this mixture is compared to the mixture with alcohol. The anchoring properties of lyotropic liquid crystals on glass surfaces (smooth and with grooves) are also investigated, using optical polarising microscopy. A new phenomen is observed, the gliding of the director at the boundary surfaces. A qualitative model is proposed, based on the existence of an anphiphilic bilayer with defects, at the interface. The orientation and relaxation times are determined and compared to the ones predicted by the model. It is also presented, a method for treating glass surfaces with ferrofluid that is applied to orient lyotropic liquid crystal samples.

Anchoring and Adjustment is a ubiquitous heuristic process in judgment and decision making. Although there is clear evidence that the anchor biases final estimates, there is disagreement about the process individuals use to arrive at the final estimate. The competing works observe the final estimates of the individuals under different conditions to find support for one or the other theory. I posit that the best way to study the mechanism in which the response is influenced is to observe the process by which participants come to the final response. In this vein, my work provides methodologies to surreptitiously observe individuals selecting the final response. My observations step towards providing a more nuanced process underlying the anchoring phenomenon. I posit that process of selecting a response by the individuals after getting influenced by the anchor is like searching for a response in the number space. I further propose that this search will be biased in systematic ways. First bias is due to the individuals’ tendency to search for a response more intensively in ‘the adjacent possible’ or the areas of search nearby the current area they are searching. I show that the search for the response is thus, dominated by adjustments to adjacent possible responses indicating a search process constrained by selective accessibility. This search will require adjustment but will be impacted by selective accessibility of the information rendered accessible by the initial anchor. Second bias is due the characteristics of the numerical search space itself. I suggest that the mental representation of numbers, just like mental representation of physical space, will have landmarks. I call them numerical landmarks. I propose that the presence of these numerical landmarks influences the individuals’ search of a response after they are influenced by an anchor. Essentially, I want to show that numerical anchors will share the characteristics of the mental representation of physical landmarks and will bias the search of an answer in the numerical space. With the help of five studies I propose to show the impact of numerical anchors on anchoring and adjustment bias and show that 1) Numerical landmarks, when presented on a scale, will grab more attention, 2) numerical landmarks are perceived to be bigger and more distinct than they actually are, and, 3) numerical landmarks act as decision nodes. Additionally, the use of relatively low-order-cognition anchoring contexts (e.g., perceptual anchoring) adds to the literature by demonstrating anchoring and adjustment bias in non-numeric domains.

Internet has become a new form of mass media since its commercialization in early 1990¡¦s. While the transaction platform moves from bricks-and-motar to Internet, potential factors that influence consumers¡¦ purchase decisions changed. Because they cannot touch the product and interact with sales person, Internet buyers can only make decisions based on information presented on web pages. Under this circumstance, how the presentation of information such as advertisement and product description influence consumers¡¦ buying decision is an important issue. When the information is presented in different ways, people might make biased decisions. This study conducts four laboratory experiments which aim to investigate two decision biases in e-commerce context: framing effect and ancoring effect. The first two experiments focus on the framing effect and the last two experiments focus on the anchoring effect. Framing effect refers to the situation in which people¡¦s buying intention is influenced by different framing messages. Anchoring effect center on the situation in which people¡¦s price estimates are influenced by different anchor points presented in web pages. Three different kinds of framing messages which are formed by combining the attribute framing, goal framing and risky choice framing message and positive and negative presentation are considered in the first two experiments. Moreover, the subjects were assigned into two groups in different level of intrinsic self-relevence to understand whether it plays the moderating role in framing effect. In anchoring effect, in addition to the influence of high and low anchor points on subjects¡¦ price estimates, we also consider the moderating role of the operation of anchor points (one-way/two way), the reinforcement of anchor points (normal/intensified), and the relevancy between anchor and target (relevant/unrelevant). The results indicated that attribute framing effect is stable and is not influenced by subjects¡¦ level of intrinsic self-relevance, whereas the occurrence of goal framing effect and risky choice framing effect depends on the participants¡¦ level of intrinsic self-relevance. For subjects low in intrinsic self-relevance are more influenced by framing message and thus results in different buying intention or choices than those high in intrinsic self-relevance. This study also test and verify the robustness of anchoring effect. Estimaes made by participants in high and low anchor conditions is significantly different no matter the anchor is manipulated in one-way or two-way. In addition, the result of anchoring experiment supports the argument that the relevancy between anchor and target is important for the occurrence of anchoring effect. The moderating effect of anchor reinceforcement depends on the anchor was operated in one-way or two way condition. Anchoring effect is stable despite that the anchor is manipulated in normal or intensified condition when the anchor is manipulated in two-way. On the other hand, when the anchoring effect is manipulated in one-way condition, the anchor reinceforcement plays the role the moderator. Anchoring effect can be observed only when the anchor point is reinforced by appearing for three times. This study serves as a foundation for future study in e-commerce area. The procedures and experimental designs in this study can be either replicated or modified with a different sample to gather further evidence for the results discovered. Further, it can benefit practitioners in improving the design of e-commerce interfaces in real world applications.

The Sarco-endoplasmic Ca2+ ATPase (SERCA2a) plays a crucial role in sequestering cytosolic calcium into the sarco-endoplasmic reticulum (SR/ER) and is an important regulator of muscle contraction and relaxation. Recent findings suggest that a novel CAMKIIα splice variant, αKAP, that plays the role of a CAMKII anchoring protein in the myocardium, also directly interacts with SERCA2a. We examined the effects of αKAP on SERCA2a activity using transfection of HEK-293T cells as well as lentiviral infection of primary neonatal mouse cardiomyocytes (NMCM). Our data showed that αKAP reduced Ca2+ ATPase activity, and downregulated SERCA2a expression in both HEK-293T cells coexpressing αKAP and SERCA2a, as well as NMCM overexpressing αKAP. Interestingly in a rat model of myocardial infarction, αKAP expression was found to be elevated, alongside elevated CaMKIIδ, and depressed SERCA2a expression. These data suggest that αKAP may be a unique regulator of SERCA2a activity and cardiac function.