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This paper aims to analyze thoroughly all of the sources of research used to develop the money laundering (ML) and terrorist financing (TF) low-risk rating, a rating attained by Norway according to the Basel Institute of Governance, and determine the reasons why Norway is one of only two countries in the world according to the 2012 report, with the other being Estonia, to gain an overall low-risk ML and TF rating.

The differences between the USA and Norway which has obtained a low-risk ranking, were compared and contrasted.

Beginning with the Basel Institute Rating index as a legitimate source for use in assessing anti-money-laundering (AML)/TF risk, and the amount of documentation used in the index’s methodology, it has been proven that the low-risk rating Norway has received is well deserved, and that the US rating of medium risk is also deserved for the time the report was published. Achieving a low-risk rating is not as ambiguous as recently thought and neither is its application on a global scale.

The paper identifies practical areas of improvement and concerns in addressing the overall issue of ML and terrorist financing.

The overall objective of this study is envisaged to provide decision makers with actionable insights and access to multi-risk maps for the most in-danger stave churches (SCs) among the existing 28 churches at high spatial resolution to better understand, reduce and mitigate single- and multi-risk. In addition, the present contribution aims to provide decision makers with some information to face the exacerbation of the risk caused by the expected climate change.

Material and data collection started with the consultation of the available literature related to: (1) SCs' conservation status, (2) available methodologies suitable in multi-hazard approach and (3) vulnerability leading indicators to consider when dealing with the impact of natural hazards specifically on immovable cultural heritage.

The paper contributes to a better understanding of place-based vulnerability with local mapping dimension also considering future threats posed by climate change. The results highlight the danger at which the SCs of Røldal, in case of floods, and of Ringebu, Torpo and Øye, in case of landslide, may face and stress the urgency of increasing awareness and preparedness on these potential hazards.

The contribution for the first time aims to homogeneously collect and report all together existing spread information on architectural features, conservation status and geographical attributes for the whole group of SCs by accompanying this information with as much as possible complete 2D sections collection from existing drawings and novel 3D drawn sketches created for this contribution. Then the paper contributes to a better understanding of place-based vulnerability with local mapping dimension also considering future threats posed by climate change. Then it highlights the danger of floods and landslides at which the 28 SCs are subjected. Finally it reports how these risks will change under the ongoing impact of climate change.

This study aims to explore the underlying mechanisms that support the resilience of the Chinese hospitality industry during and after the COVID-19 epidemic.

Content analysis was applied to 133 manually collected text articles about COVID-19 responses and strategies.

A two-step learning model (emergency reaction, precautions and prevention stages) was identified in the study. In the emergency reaction step, the primary strategies were related to customers, employees, suppliers and facility/food. In the precautions and prevention step, the strategies were related to customers, employees, suppliers and society/public relations. Multiple stakeholders are discussed in the two circles over a continual process in the learning, reacting and adapting stages.

A gap in the literature is filled by this study, providing a learning model and synthesizing various strategies applied in the hotel sector for multiple stakeholders.

Despite the common focus on studying future events, the study of risk management and foresight have developed as two segmented scientific fields. This study aims to investigate whether current risk management methodology is sufficient for long-term planning against threats from terrorism and other black swan events, and whether perspectives from foresight studies can contribute to more effective long-term security planning.

This study investigates the planning process of the rebuilding of the Norwegian Government Complex destroyed during a terrorist attack in 2011. The study examines whether security risk managers find current security risk management methodology sufficient for dealing with long-term security threats to the Norwegian Government Complex.

Current security risk management methodology for long-term security planning is insufficient to capture black swan events. Foresight perspectives could contribute by engaging tools to mitigate the risk of these events. This could lead to more robust security planning.

The main contribution of this paper is to investigate whether perspectives and methodology from foresight studies can improve current security risk management methodology for long-term planning and look for cross-fertilization between foresight and risk studies. A framework for scenario development based on security risk management methodology and foresight methodology is proposed that can help bridge the gap.

Reports from different countries have revealed that consumers are becoming increasingly concerned that the food they eat could be harmful to health. The concern regards both the composition of the diet and the possibilities that the food may contain a number of contaminating substances. Discusses the results from some recent empirical studies in the light of the more theoretical work in this area of research. The aim is to bring out some salient features which may be important to those who communicate with the public about food‐related risks, as well as for further research in this field.

The purpose of this paper is to highlight the short run incentives for increasing LTV ratios that develop among mortgagees and mortgagors in the presence of excess return to housing. The paper provides a conventional framework for analyzing the capital structure of housing investments where higher LTV‐ratios comes about as stronger appreciation is met by increased mortgage rates and both mortgagees and mortgagors are short sighted.

The comment applies a capital structure approach to housing investments, highlighting the return to home equity. The paper distinguishes between price and leverage gains and presents a framework where the excess return to housing provides incentives for increasing LTV ratios. To illustrate, the Norwegian housing market is applied. The paper discusses short run market developments and the potential need for macro prudential regulations while introducing credit risk policy, nominal return targets and risk pricing.

The implementation of a simplistic capital structure approach to housing investments brings about a framework that allows us to present the incentives for, as well as the risk associated with, higher LTV ratios for both mortgagees and mortgagors. Short sightedness among mortgagees, driven by nominal return targets, allows mortgagors higher LTV‐ratios and increased risk taking.

While standard when analyzing commercial real estate, the capital structure approach – and the formal distinction between price and leverage gains for homeowners – is to the best of the authors' knowledge novel when analyzing housing finance. To understand the mechanisms impacting this playing field is important for both market analysts and regulators.

Increased annual precipitation and more frequent episodes with heavy precipitation are expected in Norway due to climate change. The purpose of this paper is to use two case studies to investigate effects of precipitation on the amounts of faecal indicator bacteria and parasitic protozoa (Cryptosporidium and Giardia) loaded to surface waters from catchment areas exposed to different faecal sources.

In the first case study, the loads of faecal indicator bacteria and Cryptosporidium and Giardia, were investigated in relation to precipitation in a stream from a small valley where cattle and sheep are grazed. In the second case study, historical data (monthly values from 2004‐2009) regarding faecal coliforms and water flow in five tributaries (urban and rural) of a lake used as a drinking water source, were used for calculating loads of faecal indicator bacteria. These loads were evaluated in relation to historical data on precipitation. Additional sampling during/after rainfall, including analysis of samples for Cryptosporidium and Giardia, was performed.

The study visualises how heavy rainfall may increase the load of faecal microorganisms and potential pathogens in Norwegian water sources.

This study provides supplementary information about microbial contamination (including by parasites) of Norwegian surface waters during or after rainfall. This is useful input for decision making regarding protection of vulnerable water sources and for risk assessments. Data are also provided for evaluation of water treatment needs for Norwegian municipalities and waterworks responsible for providing safe drinking water under future climatic conditions.

The purpose of this study was to examine the effect of perceived social support on postpartum depression (PPD) in Arab immigrant mothers and Turkish mothers.

This descriptive study was conducted with 140 mothers between September 2017 and January 2018. The data was collected via the Turkish and Arabic versions of the sociodemographic questionnaire, the Edinburgh Postnatal Depression Scale (EPDS) and the Multidimensional Scale of Perceived Social Support. Percentage and arithmetic mean calculations, independent samples t-test, Mann–Whitney U test, paired logistic regression analysis backward elimination method and Pearson and Spearman correlation analyses were conducted to analyze the data.

The data revealed that the risk of PPD was twice as high in Arab immigrant mothers (56.3%) compared to Turkish mothers (29%). The EPDS mean score was 12.37 ± 6.28 for Arab immigrant mothers and 8.81 ± 5.48 for Turkish mothers. The social support mean score was found to be 50.70 ± 19.27 for Arab immigrant mothers and 61.41 ± 16.51 for Turkish mothers. The independent risk factors for Turkish mothers included mother’s age, monthly income level and infant’s age, while the independent risk factors for Arab immigrant mothers included number of children, husband’s status of employment and access to regular medical care during pregnancy. The negative correlation between EPDS and social support overall scores and subscale scores was found to be significant for both groups.

To the best of the authors’ knowledge, this is the first study on the impact of social support on PPD in Arab immigrant and Turkish women in the national and international literature. The study helped reveal the correlation between perceived social support and PPD, the PPD risk rates and risk factors according to citizenship status for the first time.

The purpose of this paper is to share the trend observed around irresponsible behavior by tourists in nature areas and how this may affect future policy.

This paper illustrates the trend observed based on three major observations from Norway and links the observed trend to the micro-level to meso- and macro-trends.

As a result, it was found that due to irresponsible behavior the Norwegian allemansratten (Right to Roam) system is under pressure. Because of this, the freedom to enjoy the Norwegian nature risks to be limited by regulations.

The insights presented in this paper contribute to the debate on nature-based tourism, sustainable and responsible tourism and link with the debate on overtourism in the context of nature areas.

The purpose of this paper is to summarise and analyse empirical research on protective factors that promote academic resilience in ethnic minority children mainly aged between 13 and 18 years attending schools in the Nordic countries.

This paper was opted for a literature review of 23 peer-reviewed quantitative articles published between 1999 and 2014. The analysis entailed protective factors at both the personal and environmental levels in ethnic minority children.

Some minority children’s school performance may be just as good if not better than majority children when having similar or even lower socioeconomic status than majority children. Protective factors at the personal level included working hard, having a positive attitude towards school, and having high educational aspirations. Protective factors at the environmental level included supportive school systems, supportive schools, and supportive networks including parental qualities and support. The findings are comparable to the findings outside the Nordic countries with one exception; minority children in the Nordic countries performed better than expected despite socioeconomic disadvantages.

Protective factors affecting academic resilience need further attention in a time with an increased global migration. Research implications may be related to how schools and policy makers develop supportive school systems, supportive schools, and supportive networks to contribute to making a difference for minority children’s educational opportunities in the Nordic countries.

Academic resilience is a relatively new research field in the Nordic countries. This review is the first review which has summarised and analysed existing findings on academic resilience in the Nordic countries in minority children.