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XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        140     Samaheimild,bls.71. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        141     Samaheimild,bls.71. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        142     Samaheimild,_bls_.71!72. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        143     Samaheimild,bls.72. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        144     Samaheimild,bls.72. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        145     Samaheimild,_bls_.72!98. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        146     Samaheimild,_bls_.75!87. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        147     Samaheimild,_bls_.95!98. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        148     Samaheimild,_bls_.95!96. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        149     Samaheimild,bls.96. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        150     Samaheimild,bls.96. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        151     Samaheimild,bls.96. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? 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XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        158     Samaheimild,bls.98. ( _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        159     XingmannanefndinvekurathygliYvaWsumariW2010samYykktiAlYingifrumvarptillagaum_breyt  ingar_Ԁ__Ԁ_lgum_Ԁum_fjrmlafyrirtki_,_nr_.161/2002,_meW_Ԁ_lgum_Ԁ_nr_.75/2010._T;ku_Ԁ_lgin_Ԁ_aW_Ԁ_einhverju_Ԁ_leyti_Ԁ__ E _nokkrum_Ԁ_Yeirra_Ԁ_atriWa_Ԁsem_ranns;knarnefndin_Ԁ_gerir_Ԁ_aW_Ԁ_umtalsefni_Ԁ__Ԁ_sinni_Ԁ_skUrslu_Ԁen_mikilvgt_Ԁer_aW_Ԁ_ganga_ ` _lengra_Ԁ_viW_Ԁ_endurskoWun_Ԁ_laganna_Ԁ_og_Ԁtaka_fullt_Ԁ_tillit_Ԁtil_allra_Ԁ_athugasemda_Ԁ_ranns;knarnefndarinnar_Ԁ_og_Ԁ_horfa_Ԁtil  _Yr;unar_Ԁ_lagaumb;ta_Ԁ__Ԁ_fjrmlamarkaWi_Ԁ_erlendis_,_sbr_._einnig_Ԁ42._og_Ԁ43.gr._laganna_. D_ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        160     SjumfjllunumlfeyrisgreiWslurtilstj;rnendabankannakflum10.3.5,10.4.3og10.5.3skUrslu  ranns;knarnefndarAlYingis. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        161     Samaheimild,_bls_.105!153. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        162     Samaheimild,_bls_.105!128. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        163     Samaheimild,_bls_.115!116. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        164     Samaheimild,_bls_.116!117. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        165     Samaheimild,_bls_.116!117. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        166     Samaheimild,bls.117. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        167     Samaheimild,bls.117. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        168     Samaheimild,bls.117. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        169     Sama_heimild_,_bls_.117!128. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        170     Samaheimild,_bls_.127!128. 5_ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        171     CAMELSL  M  _stendur_Ԁ_fyrir_ԀL  M  _kerfi_Ԁsem_Yr;aW_Ԁ_hefur_Ԁ_veriW_Ԁ_af_Ԁ_AlYj;Wagjaldeyrissj;Wnum_Ԁtil_aW_Ԁmeta_vsbend  ingar_Ԁum_yfirvofandi_Ԁ_httu_Ԁ__Ԁ_bankakerfinu_ԀL  M  (e.L  M  Capitaladequacy,Assetquality,Managementsoundness, E Earningsandprofitability,Liquidity_og_ԀSensitivitytomarketriskL  M  ). _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        172     _Ranns;knarnefnd_Ԁ_AlYingis_Ԁ2010:L  M  _AWdragandi_Ԁ_og_Ԁ_orsakir_Ԁfalls_slensku_Ԁ_bankanna_Ԁ2008_og_Ԁ_tengdir_  _atburWir_._Bindi_Ԁ3,_bls_.127. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        173     Samaheimild,bls.127. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        174     Samaheimild,bls.127. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        175     Samaheimild,bls.127. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        176     Samaheimild,bls.128. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        177     Samaheimild,bls.128. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        178     Samaheimild,_bls_.128!153. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        179     Samaheimild,_bls_.151!153. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        180     Samaheimild,bls.151. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        181     Samaheimild,bls.151. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        182     Samaheimild,bls.151. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        183     Sama_heimild_,_bls_.151!152. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        184     Samaheimild,bls.152. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        185     Samaheimild,bls.153. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        186     Samaheimild,bls.153. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        337     Samaheimild,bls.7!54. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        338     _Sama_Ԁ_heimild_,_bls_.8._Sj_Ԁ_nnari_Ԁ_umfjllun_Ԁ__Ԁ_Ranns;knarnefnd_Ԁ_AlYingis_Ԁ2010:_AWdragandi_Ԁ_og_Ԁ_orsakir_  falls_slensku_Ԁ_bankanna_Ԁ2008_og_Ԁ_tengdir_Ԁ_atburWir_._Bindi_Ԁ5,17._kafli_. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        187     Ranns;knarnefndAlYingis2010:AWdragandiogorsakirfallsslenskubankanna2008_og_Ԁ_tengdir_  _atburWir_._Bindi_Ԁ4,_bls_.7!116. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        188     Samaheimild,bls.14!21. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        189     Samaheimild,bls.22!67. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        190     Samaheimild,bls.65. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        191     Samaheimild,bls.62!67. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        192     Samaheimild,bls.22!67. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        193     Samaheimild,bls.62!67. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        194     _Sama_Ԁ_heimild_,_bls_.62. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        195     Samaheimild,bls.62. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        196     Samaheimild,bls.62!63. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        197     Samaheimild,bls.63. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        198     Samaheimild,bls.65. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        199     Samaheimild,bls.63. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        200     Samaheimild,bls.63. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        201     Samaheimild,bls.64. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        202     Samaheimild,bls.56. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        203     _ViWskiptavaki_Ԁer_fjrmlafyrirtki_Ԁ% " sem_hefur_Ԁ_heimild_Ԁtil_verWbrfaviWskipta_Ԁ_og_Ԁ_hefur_Ԁ_meW_Ԁ_samningi_  _viW_Ԁ_tgefanda_Ԁ_fjrmlagerninga_Ԁ_skuldbundiW_Ԁsigtil_aW_Ԁ%"_kaupa_Ԁ_og_Ԁ_selja_Ԁ_fyrir_Ԁ_eigin_Ԁ_reikning_Ԁ_eWa_Ԁ_reikning_ E _tgefanda_Ԁ_tiltekna_Ԁ_fjrmlagerninga_,__Ԁ_Yv_Ԁ_skyni_Ԁ_aW_Ԁ_greiWa_Ԁ_fyrir_Ԁ_aW_Ԁ_markaWsverW_Ԁ_skapist_Ԁ__Ԁ_Yeim_,_sbr_.116.gr. ` _laga_Ԁum_verWbrfaviWskipti_,_nr_.108/2007.G116M1 _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        204     Ranns;knarnefndAlYingis2010:AWdragandiogorsakirfallsslenskubankanna2008_og_Ԁ_tengdir_  _atburWir_._Bindi_Ԁ4,_bls_.65. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        205     Samaheimild,bls.65. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        206     Samaheimild,bls.66. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        207     Samaheimild,bls.66. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        208     Samaheimild,bls.66. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        209     Samaheimild,bls.66!67. 5_ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        210     _GagnhWi_Ԁ_vsar_Ԁtil_Yess_Ԁ_Yegar_Ԁ_hlutir_Ԁ_eru_Ԁ_hWir_Ԁ_innbyrWis_/_hvor_Ԁ_Wrum_. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        211     Ranns;knarnefndAlYingis2010:AWdragandiogorsakirfallsslenskubankanna2008_og_Ԁ_tengdir_  _atburWir_._Bindi_Ԁ4,_bls_.67. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        212     Samaheimild,bls.117!134. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        213     Samaheimild,bls.132!134. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        214     Samaheimild,bls.133. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        215     Samaheimild,bls.133. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        216     Samaheimild,bls.134. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        217     Samaheimild,bls.135!239. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        218     Samaheimild,bls.145!161. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        219     Samaheimild,bls.161!177. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        220     _Landsvaki_Ԁhf._sendi_Ԁ_Yingmannanefndinni_Ԁ_skUrslu_,dags.28._jn_Ԁ2010,_Yar_Ԁsem_fram_Ԁ_koma_  _athugasemdir_Ԁ_viW_Ԁ_einstk_Ԁ_atriWi_Ԁ__Ԁ_umfjllun_Ԁ_ranns;knarnefndarinnar_Ԁ_og_Ԁ_lta_Ԁ_Yr_Ԁ_helst_Ԁ_aW_Ԁ_fullyrWingum_Ԁsem E _flagiW_Ԁ_telur_Ԁ_rangar_,_illa_Ԁ_rkstuddum_Ԁ_athugasemdum_Ԁ_og_Ԁ_misrmi_Ԁ__Ԁ_umfjllun_. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        221     Ranns;knarnefndAlYingis2010:AWdragandiogorsakirfallsslenskubankanna2008_og_Ԁ_tengdir_  _atburWir_._Bindi_Ԁ4,_bls_.177!186. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        222     Samaheimild,bls.186!192. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        223     Samaheimild,bls.192!206. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        224     Samaheimild,bls.207!209. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        225     Samaheimild,bls.209!213. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        226     Samaheimild,bls.213!224. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        227     Samaheimild,bls.224!228. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        228     Samaheimild,bls.227. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        229     Samaheimild,bls.224!226. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        230     Samaheimild,bls.226. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        231     Samaheimild,bls.227. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        232     Samaheimild,bls.227. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        233     Samaheimild,bls.227!228. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        234     Samaheimild,bls.228. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        235     AlYingihefurntilmeWferWarfrumvarptilnUrraheildarlagaumverWbrfasj;Wi,fjrfestingarsj;Wiog  fagfjrfestasj;Wi(259.ml138.lggjafarYingiL  M  ).TilgangurYesseraWskUraogafmarkannarYaWregluverk E semgildirumstarfsemisj;WaumsameiginlegafjrfestinguogaWinnleiWakvWitilskipunar2007/16/EBL  M  . ` HelstunUmlieruaWlgintakatilallrasj;Waumsameiginlegafjrfestingu,afmrkunfjrfestingarstefnuer  _heimiluW_Ԁ__Ԁ_reglugerW_Ԁ_og_Ԁ_gert_Ԁer_aW_Ԁ_skilyrWi_Ԁ_aW_Ԁ_framkvmdastj;rar_Ԁ_rekstrarflaga_Ԁ_og_Ԁ_sj;Wstj;rar_Ԁ_hafi_Ԁ_staWist_Ԁ_pr;f_ U __Ԁ_verWbrfaviWskiptum_Ԁ_eWa_Ԁ_hafi_Ԁ_hlotiW_Ԁ_lggildingu_Ԁtil_Yess_._Einnig_Ԁ_eru_Ԁ_gerWar_Ԁ_auknar_Ԁ_krfur_Ԁum_;hWi_ p _rekstrarflaga_Ԁ_og_Ԁ_strangari_Ԁ_krfur_Ԁ_gerWar_Ԁtil_tvistunar_Ԁ_verkefna_Ԁsem_og_Ԁ_settar_Ԁ_strangar_Ԁ_reglur_Ԁum_fjrfestingar_   __Ԁ_tengdum_Ԁ_aWilum_._X_Ԁer_mlt_Ԁ_fyrir_Ԁum_aukinn_Ԁ_aWgang_Ԁ_almennings_Ԁ_aW_Ԁ_upplUsingum_Ԁum_sj;Wina_Ԁ_og_Ԁ_fjrfest e ingarheimildir_Ԁ_Yeirra_Ԁ_Yrengdar_._Fjrmlaeftirlitinu_Ԁer_einnig_Ԁ__Ԁ_frumvarpinu_Ԁ_veitt_Ԁ_heimild_Ԁtil_Yess_Ԁ_aW_Ԁ_beita_Ԁ_sj;W_  _stj;rnvaldssektum_Ԁ_brj;ti_Ԁ_hann_Ԁ_gegn_Ԁ_fjrfestingarstefnu_Ԁ_sinni_.Um_nnari_Ԁ_upplUsingar_Ԁum_frumvarpiW_Ԁ_og_Ԁ_fleiri_ 0  _nUmli_Ԁ_Yess_Ԁ_vsast_Ԁtil_Yingskjala_. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        339     _Ranns;knarnefnd_Ԁ_AlYingis_Ԁ2010:_AWdragandi_Ԁ_og_Ԁ_orsakir_Ԁfalls_slensku_Ԁ_bankanna_Ԁ2008_og_Ԁ_tengdir_  _atburWir_._Bindi_Ԁ6,_bls_.10!12. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        340     Sjnnarkafla18.2.2.smuheimild,bls.10!16. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        341     Samaheimild,bls.10!16. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        342     Samaheimild,bls.16!36. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        343     Samaheimild,bls.16. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        344     Samaheimild,bls.16. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        345     Samaheimild,bls.36!40. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        346     FinancialServicesandMarketsAct2000L  M  . ^_ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        347     Ranns;knarnefndAlYingis2010L  M  :L  M  AWdragandiogorsakirfallsslenskubankanna2008og_tengdir_  _atburWir_L  M  .L  M  _BL  M  indi_L  M  Ԁ6,_bls_L  M  .L  M  40. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        348     Samaheimild,bls.40!54. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        349     Samaheimild,bls.40.($0  0` ""0 ` "` "0 " "0h""0h"h"0""0p""2  3  0p"p" _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        350     Samaheimild,bls.41. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        351     Samaheimild,bls.41. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        352     Samaheimild,bls.42. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        353     Samaheimild,bls.42. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        354     Samaheimild,bls.42. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        355     Samaheimild,bls.43. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        356     Samaheimild,bls.43. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        357     Samaheimild,bls.44. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        358     Samaheimild,bls.44. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        359     Samaheimild,bls.45. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        360     Samaheimild,bls.45!46. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        361     Samaheimild,bls.46. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        362     Samaheimild,bls.46. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        363     Samaheimild,bls.46!47. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        364     Samaheimild,bls.47. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        365     Samaheimild,bls.48. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        366     Samaheimild,bls.48!49. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        367     Samaheimild,bls.49. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        368     Samaheimild,bls.49!50. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        369     Samaheimild,bls.49!50. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        370     Samaheimild,bls.51. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        371     Samaheimild,bls.51.VsaWertilbrfsfrFSAdags.15.gst2008. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        372     Samaheimild,bls.51!52. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        373     Samaheimild,bls.52. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        374     Samaheimild,bls.53. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        375     Samaheimild,bls.54. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        376     Samaheimild,bls.54!65. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        377     Samaheimild,bls.54!62. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        378     Samaheimild,bls.55. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        379     _Leturbreyting_Ԁ_Yingmannanefndarinnar_. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        380     Samaheimild,bls.56!57. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        381     Samaheimild,bls.59!60. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        382     SvokallaWL  M  ?L  M  toppingupL  M  L  M  Ԁsamkomulag. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        383     Samaheimild,bls.62!65. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        384     LeturbreytingYingmannanefndarinnar. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        385     LeturbreytingYingmannanefndarinnar. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        386     Samaheimild,bls.62. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        387     Samaheimild,bls.62!63. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        388     Samaheimild,bls.63. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        389     Samaheimild,bls.63. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        390     Samaheimild,bls.64. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        391     Samaheimild,bls.64. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        392     Samaheimild,bls.65. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        393     Samaheimild,bls.65. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        394     _Sama_Ԁ_heimild_,_bls_.54og62. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        395     Samaheimild,bls.64. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        396     Samaheimild,bls.67!283. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        397     Samaheimild,bls.69!78. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        398     Samaheimild,bls.72!77. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        399     Samaheimild,bls.78!237.0umfjlluninnierubirtheildsinni,eWaaWhluta,UmsarfundargerWireWa  minnisblWstj;rnvalda.GerWergreinfyrirlyktunranns;knarnefndarinnarsWar. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        400     Samaheimild,bls.237!245. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        401     Samaheimild,bls.243!245. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        402     Samaheimild,bls.243. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        403     Samaheimild,bls.243. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        404     Samaheimild,bls.243!244. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        405     Samaheimild,bls.245. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        406     Samaheimild,bls.245. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        407     Samaheimild,bls.245!254. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        408     Samaheimild,bls.249!250. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        409     Samaheimild,bls.250!252. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        410     Samaheimild,bls.253!254. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        411     Samaheimild,bls.253. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        412     Samaheimild,bls.253. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        413     Samaheimild,bls.253. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        414     Samaheimild,bls.253. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        415     Samaheimild,bls.253!254. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        416     Samaheimild,bls.254!264. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        417     Samaheimild,bls.257. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        418     Samaheimild,bls.259!264. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        419     Samaheimild,bls.264. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        420     Samaheimild,bls.264. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        421     Samaheimild,bls.264. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        422     Samaheimild,bls.264. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        423     Samaheimild,bls.264!269. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        424     Samaheimild,bls.264!267. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        425     Samaheimild,bls.267!268. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        426     Samaheimild,bls.268!269. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        427     Samaheimild,bls.268!269. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        428     Samaheimild,bls.269. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        429     Samaheimild,bls.269. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        430     Samaheimild,bls.269!277. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        431     Samaheimild,bls.275!276. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        432     Samaheimild,bls.276!277. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        433     Samaheimild,bls.276. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        434     Samaheimild,bls.276. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        435     Samaheimild,_bls_.276. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        436     Samaheimild,bls.276!277. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        437     Samaheimild,bls.277. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        438     Samaheimild,bls.277. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        439     Samaheimild,bls.277. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        440     Samaheimild,bls.277!283. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        441     Samaheimild,bls.277!279. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        442     Samaheimild,bls.279!283. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        443     Samaheimild,bls.277.SjeinnigyfirlUsingunasjlfaskUrsluranns;knarnefndarAlYingis2010L  M  :  L  M  AWdragandiogorsakirfallsslenskubankanna2008_og_Ԁ_tengdir_Ԁ_atburWir_L  M  .L  M  _BL  M  indi_Ԁ1L  M  ,_bls_.175. ]_ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        444     Ranns;knarnefndAlYingis2010L  M  :L  M  AWdragandiogorsakirfallsslenskubankanna2008_og_Ԁ_tengdir_  _atburWir_L  M  .L  M  _BL  M  indi_Ԁ6L  M  ,_bls_.167!168. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        720     XingmannanefndinvekurathygliYvaWvoriW2010samYykktiAlYingifrumvarptillagaumbreyt  ingarlgumumfjrmlafyrirtki,nr.161/2002,meWlgumnr.75/2010._ T;ku_ Ԁ_ lgin_ Ԁ_ aW_ Ԁ_ einhverju_ Ԁ_ leyti_ Ԁ_ _  E _ nokkrum_ Ԁ_ Yeirra_ Ԁ_ atriWa_ Ԁsem_ ranns;knarnefndin_ Ԁ_ gerir_ Ԁ_ aW_ Ԁ_ umtalsefni_ Ԁ_ _ Ԁ_ sinni_ Ԁ_ skUrslu_ Ԁen_ mikilvgt_ Ԁer_ aW_ Ԁ_ ganga_  ` _ lengra_ Ԁ_ viW_ Ԁ_ endurskoWun_ Ԁ_ laganna_ Ԁ_ og_ Ԁtaka_ fullt_ Ԁ_ tillit_ Ԁtil_ allra_ Ԁ_ athugasemda_ Ԁ_ ranns;knarnefndarinnar_ Ԁ_ og_ Ԁ_ horfa_ Ԁtil  _ Yr;unar_ Ԁ_ lagaumb;ta_ Ԁ_ _ Ԁ_ fjrmlamarkaWi_ Ԁ_ erlendis_ . _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        721     Samaheimild,bls.9. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        722     Samaheimild,bls.22!24L  M  ,sbr.myndir6og7. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        723     Samaheimild,bls.32. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        724     SjnnarniWurstWursmuheimild,bls.34!50. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        725     Reglurumst;rarhttuskuldbindingarhjfjrmlafyrirtkjumnr.216/2007L  M  . e_ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        726     Ranns;knarnefndAlYingis2010:L  M  AWdragandiogorsakirfallsslenskubankanna2008ogtengdir  atburWirL  M  .Bindi9,bls.53. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        727     Samaheimild,bls.53!54. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        728     Samaheimild,bls.53. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        729     Samaheimild,bls.54. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        730     GervimaWurtlndersamheitiyfirlgaWilaskrWaerlendissemekkihafaslenskakennitluogeru  eignirskrWarm.a.kennitlurnar0101306789sembernafniWGervimaWurtlndYj;Wskr.Sjskilgrein E ingusmuheimild,bls.9!10. l_ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        731     Ranns;knarnefndAlYingis2010:L  M  AWdragandiogorsakirfallsslenskubankanna2008ogtengdir  atburWirL  M  .Bindi2,bls.81!299. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        732     XingmannanefndinvekurathygliYvaWL  M  sumariWL  M  Ԁ2010samYykktiAlYingifrumvarptillagaum  breytingarlgumumfjrmlafyrirtki,nr.161/2002,meWlgumnr.75/20L  M  10.T;kulginaWeinhverjuleyL  M  ti E nokkrumYeirraatriWasemranns;knarnefndingeriraWumtaL  M  lsefnisinniskUrsluL  M  enmikilvgteraWganga ` lengraviWendurskoWunlagannaogtakafulltL  M  Ԁtillittilallraathugasemdaranns;knarnefndarAlYingisL  M  Ԁoghorfa  tilYr;unarlagaumb;tafjrmlamarkaWierlendis. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        733     Samaathugasemd. 8 :sH$ISUS.,,,..XXXX? 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XX0?vvbX0#ggdd  ISIS,.       17     __Elson_,D.(2009)_Gender_Ԁ_Equality_Ԁ_and_Ԁ_Economic_Ԁ_Growth_Ԁ_in_Ԁthe_World_ԀBank_World_Ԁ_Development_Ԁ_Report_  2006._Feminist_Ԁ_Economics_,15(3),35!59. E 0  _Hafner_-Burton,E.&_Pollack_,M.A.(2002)._Mainstreaming_Ԁ_Gender_Ԁ_in_Ԁ_Global_Ԁ_Governance_._European_ ` _Journal_Ԁof_International_Ԁ_Relations_,8(3),339!373. 0  SjheimasWuAlYj;Wabankanshttp://www.worldbank.org/ C :sH$ISUS.,,,..XXXX? XX0?vvbX0#ggdd  ISIS,.       18     _TryggviHallgrmsson(2009).Ranns;kn_fjlYj;Wlegu_Ԁ_vinnusamflagi_Ԁvegna_st;riWjuframkvmda_Ԁ  Austurlandi._Ranns;knarrit_Ԁnr.8:NiWurstWur_vinnuviWhorfsknnunar_ԀsemgerWvarsumariW2006._ByggWa E ranns;knastofnun_Ԁ0slands.Xr;unarflagAusturlands,ByggWastofnun,IWnaWarrWuneytiW.S;tt ` 0  22.gst2010af:_http_://_www.rha.is_/static/_files_/Rannsoknir/2009/Austurland-_Fjolthjodlegt_vinnu_Ԁ  _samfelag_loka_des_-09.pdf V :sH$ISUS.,,,..XXXX? XX0?vvbX0#ggdd  ISIS,.       19     __Berglund_,Anna-Karin,o.fl.(2007)_Med_Ԁ_periferien_Ԁi_sentrum_Ԁ-en_studie_Ԁ_av_Ԁ_lokal_Ԁ_velferd_,_arbeidsmarked_  og_kjnnsrelasjoner_Ԁi_den_Ԁ_nordiske_Ԁ_periferien_._Alta_,_Norut_Ԁ_NIBR_.  :sH$ISUS.,,,..XXXX? XX0?vvbX0#ggdd  ISIS,.       20     _AuWur_Magnds_Ԁ_Leiknisd;ttir_Ԁ(2007)_Women_Ԁ_and_Ԁ_nature_Ԁ_on_Ԁthe_margin_:_an_Ԁ_ecofeminist_Ԁ_view_Ԁ_on_Ԁa_heavy_  _industrial_Ԁ_project_Ԁ_in_Ԁ_Eastern_Ԁ_Iceland_.:birt_meistararitgerW_ԀviWLondon_School_Ԁof_Economics_,London.  :sH$ISUS.,,,..XXXX? XX0?vvbX0#ggdd  ISIS,.       21     _TinnaHalld;rsd;ttir(2009).?Hreigaallirsnareigin_pumpur_ .Ranns;knstWuogviWhorfum  kvennaAusturlandi._ViWtalsranns;kn_ԀunninfyrirTengslanet_austfiskra_Ԁkvenna. q :sH$ISUS.,,,..XXXX? XX0?vvbX0#ggdd  ISIS,.       22     _AnnaKarlsd;ttir(2006)._Women_Ԁ_and_Ԁ_fisheries_Ԁ_follow_-up_survey_.0L._Sloan_Ԁ(_ritstj_.),_Women_Ԁ_andNatural_  _Resource_Ԁ_Management_Ԁ_in_Ԁthe_Rural_Ԁ_North_._Arctic_Ԁ_Council_Ԁ_Sustainable_Ԁ_Development_Ԁ_WorkingGroup_ E 2004!2006._Forlaget_Ԁ_Nora_._Nordfold_.  :sH$ISUS.,,,..XXXX? XX0?vvbX0#ggdd  ISIS,.       23     _AuWur_Magnds_Ԁ_Leiknisd;ttir_Ԁ(2007)_Women_Ԁ_and_Ԁ_nature_Ԁ_on_Ԁthe_margin_:_an_Ԁ_ecofeminist_Ԁ_view_Ԁ_on_Ԁ_aheavy_  _industrial_Ԁ_project_Ԁ_in_Ԁ_Eastern_Ԁ_Iceland_.:birt_meistararitgerW_ԀviWLondon_School_Ԁof_Economics,London_.  :sH$ISUS.,,,..XXXX? XX0?vvbX0#ggdd  ISIS,.       24     __Johnstone_,R.L.(2009)._Tax_Ԁ_is_Ԁa_feminist_Ԁ_issue_.LgfrWingur,3(1),43. \ :sH$ISUS.,,,..XXXX? XX0?vvbX0#ggdd  ISIS,.       25     __Johnstone_,R.L.(2009)._Tax_Ԁ_is_Ԁa_feminist_Ԁ_issue_;sjeinnigXorgerWiEinarsd;ttur(2000)._Bryddingar_:  0  UmsamflagiWsemmannannaverk.Reykjavk:_Hsk;latgfan_,bls.103. { :sH$ISUS.,,,..XXXX? XX0?vvbX0#ggdd  ISIS,.       26     _Skatturer37,22%fyrirlgsta_tekjuYrepiW_.Rkisskattstj;ri,vefsWa.S;tt27.gst2010af:  0  http://rsk.is/einstakl/tolur/helstut_einstakl_2010 o :sH$ISUS.,,,..XXXX? XX0?vvbX0#ggdd  ISIS,.       27     __Johnstone_,R.L.(2009)._Tax_Ԁ_is_Ԁa_feminist_Ԁ_issue_,bls.51. q :sH$ISUS.,,,..XXXX? XX0?vvbX0#ggdd  ISIS,.       28     _?Konurnarflkablanaog_bstaWina_ ,_FrttablaWiW_Ԁ(2009,5.febrar),bls.1.EnnfremurEyjan5.  febrar2009?Fjrmlamenn:_AfsluWu_Ԁhsumtileiginkvenna!einnigjrWum,sumarhsumog_jeppum_ .Sj: E _http_://_eyjan.is_/2009/02/05/menn-i-fjarmalageiranum-_afsoludu_-ekki-_adeins_-husum-til-eiginkvenna- ` heldur-einnig-_jordum_-sumarhusum-og-jeppum/ Y :sH$ISUS.,,,..XXXX? XX0?vvbX0#ggdd  ISIS,.       29     __Barber_,M.B.&_Odean_,T.(2001)?_Boys_Ԁ_will_Ԁ_be_Ԁ_boys_:_Gender_Ԁ_overconfidence_,_and_Ԁ_common_Ԁ_stock_  _investment_ The_Quarterly_Ԁ_Journal_Ԁof_Economics_,_February_,261!292.  :sH$ISUS.,,,..XXXX? XX0?vvbX0#ggdd  ISIS,.       30     _PllPtursson(1998,28.febrar).HsnWisml.MorgunblaWiW.  :sH$ISUS.,,,..XXXX? XX0?vvbX0#ggdd  ISIS,.       31     _Konurogkarlar0slandi2008.Flags-og_tryggingarrWuneytiW_,Hagstofa0slands,Jafnrttisstofa.  0  S;tt27.gst2010af:_http_://_jafnretti.is_/D10/__Files_/Konur%20og%20karlar%202008%20net.pdf $__ :sH$ISUS.,,,..XXXX? XX0?vvbX0#ggdd  ISIS,.       32     __Aggarwal_,A.G.(2004)._UN_Ԁ_Special_Ԁ_Rapporteur_Ԁ_on_Ԁ_Adequate_Ԁ_Housing_:_Emerging_Ԁ_Gendered_Ԁ_Norms_ԀFor  the_Right_Ԁ_to_Ԁ_Adequate_Ԁ_Housing_._Australian_Ԁ_Journal_Ԁof_Human_Ԁ_Rights_,10(1),8._Venter_,A.&_Lochner_,M. E (2006)._Gender_Ԁ_and_Ԁ_housing_Ԁ_policy_Ԁ_in_Ԁ_South_Ԁ_Africa_:_Policy_Ԁ_and_Ԁ_practice_Ԁ_in_Ԁ_Bloemfontein_._Journal_Ԁof_Family_ ` _Ecology_Ԁ_and_Ԁ_Consumer_Ԁ_Sciences_,34.    :sH$ISUS.,,,..XXXX? XX0?vvbX0#ggdd  ISIS,.       33     _Mill([2009]/1859).FrelsiW.Reykjavk:HiWslenskab;kmenntaflag E :sH$ISUS.,,,..XXXX? XX0?vvbX0#ggdd  ISIS,.       34     _Mill([2009]/1859).FrelsiW.Reykjavk:HiWslenskab;kmenntaflag,bls.127.SigurWurKristinsson  (2007).Erbyggjandi_einstaklingseWlinu_?0R;bertH.Haraldsson,SalvrNordalogVilhjlmurrnason E (_ritstj_.),HugsaWmeWMill.Reykjavk:_Hsk;latgfan_.  :sH$ISUS.,,,..XXXX? XX0?vvbX0#ggdd  ISIS,.       35     _0mynd0slands.Styrkur,staWaogstefna.SkUrslanefndar(mars2008). S :sH$ISUS.,,,..XXXX? XX0?vvbX0#ggdd  ISIS,.       36     _XorgerWurEinarsd;ttir(2010)._Kyngervi_Ԁog_kynjamyndir_Ԁ_nUfrjlshyggjunnar_.KolbeinnStefnsson  (_ritstj_.),_EilfWarvlin_:UppgjrviW_frjlshyggjuna_.Reykjavk:_Hsk;latgfan_.  :sH$ISUS.,,,..XXXX? XX0?vvbX0#ggdd  ISIS,.       37     _SigrWurMatthasd;ttir(2004)Hinnsanni0slendingur:Xj;Werni,_kyngervi_Ԁogvald0slandi1900!1930.  Reykjavk:_Hsk;latgfan_. b :sH$ISUS.,,,..XXXX? XX0?vvbX0#ggdd  ISIS,.       38     __Eliot_,L.(2009)._Pink_Ԁ_brain_,_blue_Ԁ_brain_:_How_Ԁsmall_differences_Ԁ_can_Ԁ_grow_Ԁ_into_Ԁ_troublesome_Ԁgaps_and_  _what_Ԁ_we_Ԁ_can_Ԁdo_about_Ԁ_it_._New_Ԁ_York_:_Houghton_Ԁ_Mifflin_Ԁ_Harcourt_Ԁ_Publishing_Ԁ_Company_. S :sH$ISUS.,,,..XXXX? XX0?vvbX0#ggdd  ISIS,.       39     _KolbeinnStefnsson(2008).Kynhlutverk.ViWhorftil_kynbundinnar_Ԁ_verkaskiptingar_._Ranns;knarritgerW_  nr.2.Reykjavk:Ranns;knarstWYj;WmlaogFlagsvsindastofnunHsk;la0slands.S;tt27.gst2010af: E www.thjodmalastofnun.hi.is/Kynjavidhorf-workingpaper.pdf  :sH$ISUS.,,,..XXXX? XX0?vvbX0#ggdd  ISIS,.       40     __Liljequist_,J.(1999)._Frn_Ԁ_niding_Ԁtil_sprtt_.0A.M._Berggren_Ԁ(_ritstj_.),_Manligt_Ԁ_och_Ԁ_omanligt_Ԁi_ett_Ԁ_historiskt_  _perspektiv_._Stockholm_:_Forskningsrdsnmnden_  :sH$ISUS.,,,..XXXX? XX0?vvbX0#ggdd  ISIS,.       41     __Mosse_,G.L.(1996).The_Image_ԀofMan:The_Creation_Ԁof_Modern_Ԁ_Masculinity_._New_Ԁ_York_Ԁog_Oxford_:  _Oxford_Ԁ_University_Ԁ_Press_. b :sH$ISUS.,,,..XXXX? XX0?vvbX0#ggdd  ISIS,.       42     __Scott_,J.W.(1996)._Gender_:A_Useful_Ԁ_Category_Ԁof_Historical_Ԁ_Analysis_.0J.W._Scott_Ԁ(_ritstj_.),_Feminism_  &_History_(bls.152!180)._Oxford_,_New_Ԁ_York_:_Oxford_Ԁ_University_Ԁ_Press_.  :sH$ISUS.,,,..XXXX? XX0?vvbX0#ggdd  ISIS,.       43     __Scott_,J.W.(1996)._Gender_:A_Useful_Ԁ_Category_Ԁof_Historical_Ԁ_Analysis_.0J.W._Scott_Ԁ(_ritstj_.),_Feminism_  &_History_Ԁ(bls.152!180)._Oxford_,_New_Ԁ_York_:_Oxford_Ԁ_University_Ԁ_Press_.SigrWurMatthasd;ttir(2004)Hinn E sanni0slendingur:Xj;Werni,_kyngervi_Ԁogvald0slandi1900!1930.Reykjavk:_Hsk;latgfan_.GuWnU ` _Gstafsd;ttir_Ԁ(2009).VaWmlog_netsokkar_:_Kyngervi_Ԁkvenna_hnattvddum_Ԁheimi.:birt_meistararitgerW_Ԁfr  _stj;rnmlafrWideild_ԀHsk;la0slands. b :sH$ISUS.,,,..XXXX? XX0?vvbX0#ggdd  ISIS,.       44     __Scott_,J.W.(1996)._Gender_:A_Useful_Ԁ_Category_Ԁof_Historical_Ԁ_Analysis_.0J.W._Scott_Ԁ(_ritstj_.),_Feminism_  &_History_Ԁ(bls.152!180)._Oxford_,_New_Ԁ_York_:_Oxford_Ԁ_University_Ԁ_Press_.  :sH$ISUS.,,,..XXXX? XX0?vvbX0#ggdd  ISIS,.       45     __Liljequist_,J.(2006)._Sexualiteten_.0J._Lorentzen_Ԁ&C._Ekenstam_Ԁ(_ritstj_.),_Mn_Ԁi_Norden_:_Manlighet_Ԁ_och_  _modernitet_Ԁ1840!1940._Hedemore_Ԁog_Mklinta_,SvYj;W:_Gidlunds_Ԁforlag. w :sH$ISUS.,,,..XXXX? XX0?vvbX0#ggdd  ISIS,.       46     _Ing;lfursgeirJ;hannesson(2004).Karlmennskaog_jafnrttisuppeldi_.Reykjavk:Ranns;knastofa  kvenna-og_kynjafrWum_.  :sH$ISUS.,,,..XXXX? XX0?vvbX0#ggdd  ISIS,.       47     _Ing;lfursgeirJ;hannesson(2004).Karlmennskaog_jafnrttisuppeldi_,bls.53og58.  :sH$ISUS.,,,..XXXX? XX0?vvbX0#ggdd  ISIS,.       48     _Ing;lfursgeirJ;hannesson(2004).Karlmennskaog_jafnrttisuppeldi_,bls.72!73.  :sH$ISUS.,,,..XXXX? XX0?vvbX0#ggdd  ISIS,.       49     _BerglindR;sMagnsd;ttir(2003).OrWrWurum_kyngervi_,vldogvirWingu_unglingabekk_.:birt  _meistararitgerW_ԀfrFlagsvsindadeildHsk;la0slands. 1 :sH$ISUS.,,,..XXXX? XX0?vvbX0#ggdd  ISIS,.       50     __Connell_,R.W.og_Messerschmidt_,J.W(2005)._Hegemonic_Ԁ_masculinity_:_Rethinking_Ԁthe_concept_._Gender_  &_Society_,19(6).829!859.  :sH$ISUS.,,,..XXXX? XX0?vvbX0#ggdd  ISIS,.       51     __Mosse_,G.L.(1996).The_Image_ԀofMan:The_Creation_Ԁof_Modern_Ԁ_Masculinity_._New_Ԁ_York_Ԁog_Oxford_:  _Oxford_Ԁ_University_Ԁ_Press_.  :sH$ISUS.,,,..XXXX? XX0?vvbX0#ggdd  ISIS,.       52     _0mynd0slands.Styrkur,staWaogstefna.SkUrslanefndar(mars2008).SjennfremurgagnrUni_SagnfrW  ingaflags_Ԁ0slandsskUrsluna.http://www.sagnfraedingafelag.net/2008/06/12/11.34.26/ E   :sH$ISUS.,,,..XXXX? XX0?vvbX0#ggdd  ISIS,.       53     _XorgerWurEinarsd;ttirogGuWbjrgLiljaHjartard;ttir(2009)._Kynjaskekkja_Ԁstj;rnmlum:Breytingar  og_hrifaYttir_.Stj;rnmlogstj;rnsUsla,_veftmarit_,5(1).FrWigreinar. [ :sH$ISUS.,,,..XXXX? XX0?vvbX0#ggdd  ISIS,.       54     _XorgerWurEinarsd;ttir(2010)._Kynjamyndir_Ԁog_kyngervi_Ԁ_nUfrjlshyggjunnar_.0KolbeinnStefnsson  (_ritstj_.),_EilfWarvlin_:UppgjrviW_nUfrjlshyggju_.Reykjavk:_Hsk;latgfan_. ) :sH$ISUS.,,,..XXXX? XX0?vvbX0#ggdd  ISIS,.       55     _:lafurRagnarGrmsson(2006).Btrsin:Uppruni-einkenni-framtWarsUn.Fyrirlesturforseta0slands  :lafsRagnarsGrmssonar_fyrirlestrarW_Ԁ_SagnfrWingaflagsins_Ԁ10.janar2006.S;tt24.gst2010af: E http://forseti.is/media/files/06.01.10.Sagnfrfel.pdf  :sH$ISUS.,,,..XXXX? XX0?vvbX0#ggdd  ISIS,.       56     _KristnLoftsd;ttir(2009)._Kjarnmesta_Ԁf;lkiWheimi.RitiW,2!3.  0  SigrWurMatthasd;ttir(2004).Hinnsanni0slendingur.Reykjavk:_Hsk;latgfan_. q :sH$ISUS.,,,..XXXX? XX0?vvbX0#ggdd  ISIS,.       57     _HrervertaWhaldatilhagaaWmeWal_hsk;laf;lks_ԀvareinnigsettframgagnrUni,einsogframkemur  8.bindi_RNA_.  :sH$ISUS.,,,..XXXX? XX0?vvbX0#ggdd  ISIS,.       58     __Kim_,_W.C._Ԁ&_Mauborgne_.R.(2005)._Blue_Ԁ_ocean_Ԁ_strategy_:_how_Ԁ_to_Ԁ_create_Ԁ_market_Ԁ_space_Ԁ_and_Ԁ_make_Ԁthe  _competition_Ԁ_irrelevant_.Boston:_Harvard_Ԁ_Business_Ԁ_School_Ԁ_Publishing_Ԁ_Corporation_.HugmyndafrWinhefur E hlotiWmiklatbreiWsluerlendisY;ekkivirWistmikiWhafafariWfyrirhennihrlandi.SjY;T;mas_Viktor_ ` _Young_Ԁ(2010).StuWningur_Btflutningsskrifstofu_Ԁslenskrart;nlistar(_BT:N_)viWslenskat;nlistarmenn.:birt  _meistararitgerW_,_ViWskiptafrWideild_ԀHsk;la0slands. U 0  Sj:http://skemman.is/bitstream/1946/4315/1/LOKARITGERD_fixed.pdf e :sH$ISUS.,,,..XXXX? XX0?vvbX0#ggdd  ISIS,.       59     _Sjt.d.umrWuvefsWu_Christopher_ԀS.Penn,s;tt27.gst2010af:  0  _http_://_www.christopherspenn.com_/2009/08/arguing-_against_-your-_limitations_/E 0  http://www.cdl.rutgers.edu/e-leadership/pdf/KimandMauborgne.pdf ; :sH$ISUS.,,,..XXXX? XX0?vvbX0#ggdd  ISIS,.       60     _0sland2015(2006)_ViWskiptarW_.SkUrslalgWfyrir_ViWskiptaYing_,bls.19!22. = :sH$ISUS.,,,..XXXX? XX0?vvbX0#ggdd  ISIS,.       61     _:lafurRagnarGrmsson(2006).Btrsin:Uppruni-einkenni-framtWarsUn.Fyrirlesturforseta0slands  :lafsRagnarsGrmssonar_fyrirlestrarW_Ԁ_SagnfrWingaflagsins_Ԁ10.janar2006.S;tt24.gst2010af: E http://forseti.is/media/files/06.01.10.Sagnfrfel.pdf `   :sH$ISUS.,,,..XXXX? XX0?vvbX0#ggdd  ISIS,.       62     _Ing;lfursgeirJ;hannesson(2004).Karlmennskaog_jafnrttisuppeldi_,bls.44.  :sH$ISUS.,,,..XXXX? XX0?vvbX0#ggdd  ISIS,.       63     _Sjt.d.umfjllunSteinunnarGyWu-ogGuWj;nsd;ttur(2008)._Kynjaverld_Ԁkreppunnar._VefritiW_:  _Mlgagn_Ԁungs_frjlslynds_Ԁ_flagshyggjuf;lks_,10.desember.S;tt28.gst2010af: E 0  _http_://_www.vefritid.is_/index.php/_greinasafn_/kynjaverold-kreppunnar`  S :sH$ISUS.,,,..XXXX? XX0?vvbX0#ggdd  ISIS,.       64     _HallaGunnarsd;ttir(2008,10.okt;ber)._httumeWvitund_ԀvarWtilYessAuWurstendurvel.Morgun  blaWiW.  :sH$ISUS.,,,..XXXX? XX0?vvbX0#ggdd  ISIS,.       65     __Ehrenreich_,B.(2009)._Bright__Ԅsided:_Ԁ_How_Ԁthe_relentless_Ԁ_promotion_Ԁof_positive_Ԁ_thinking_Ԁ_has_Ԁ_undermined_  America._New_Ԁ_York_:_Metropolitan_Ԁ_Books_. = :sH$ISUS.,,,..XXXX? XX0?vvbX0#ggdd  ISIS,.       66     __Ehrenreich_,B.(2009)._Brightsided:_Ԁ_How_Ԁthe_relentless_Ԁ_promotion_Ԁof_positive_Ԁ_thinking_Ԁ_has_Ԁ_undermined_  America. D :sH$ISUS.,,,..XXXX? XX0?vvbX0#ggdd  ISIS,.       67     _Martin,E.(2000)._Mind_Ԅbody_problems_.American_Ethnologist_,27(3),569!590.enskuerbeinatilvitn  uninsvona:?_If_Ԁ_there_Ԁ_is_Ԁ_an_Ԁ_increasing_Ԁ_demand_Ԁfor_restless_Ԁ_change_Ԁ_and_Ԁ_continuous_Ԁ_development_Ԁofthe_person_ E atall_times_,_in_Ԁ_many_Ԁ_realms_,_then_Ԁthe_mania_Ԁ_in_Ԁ_manic_Ԁ_depression_Ԁ_might_Ԁ_readily_Ԁ_come_Ԁ_to_Ԁ_be_Ԁ_regarded_Ԁasnormal ` !_even_Ԁ_ideal_Ԁ-8 (bls.579). % :sH$ISUS.,,,..XXXX? XX0?vvbX0#ggdd  ISIS,.       68     _GuWbjrg_Andrea_ԀJ;nsd;ttir,X;rhallur:lafsson,HrefnaGuWmundsd;ttir,ElsabetStefnsd;ttir,Lilja  Gunnlaugsd;ttir,SigrWurHerds_Bjarkad;ttir_ԀogMatthasXorvaldsson(2008)._SFR_:_Launaknnun_Ԁ_SFR_. E Reykjavk:_Capacent_Ԁ_Gallup_.SkoWuWvoruheildarlauneftirkyniogmenntunf;lkssemer70!100%_starfs ` hlutfalli._ԀKarlarmeW_grunnsk;lapr;f_ԀeWaminnimenntunerumeWtp343.000heildarlaun.KonursemlokiW  hafahsk;lanmierumeWrm330.000heildarlaun.  :sH$ISUS.,,,..XXXX? XX0?vvbX0#ggdd  ISIS,.       69     _AuWur_Magnds_Ԁ_Leiknisd;ttir_,sdsAWalbjrgArnaldsogFriWrikH.J;nsson(2009).StaWaogYr;un  jafnrttismlaviWHsk;la0slands2003!2007.Reykjavk:FlagsvsindastofnunHsk;la0slands.  :sH$ISUS.,,,..XXXX? XX0?vvbX0#ggdd  ISIS,.       70     _Ing;lfursgeirJ;hannesson(2004).Karlmennskaog_jafnrttisuppeldi_,bls.73. 1 :sH$ISUS.,,,..XXXX? XX0?vvbX0#ggdd  ISIS,.       71     __Connell_,R.W.og_Messerschmidt_,J.W(2005)._Hegemonic_Ԁ_masculinity_:_Rethinking_Ԁthe_concept_._Gender_  &_Society_,19(6),829!859. ! :sH$ISUS.,,,..XXXX? XX0?vvbX0#ggdd  ISIS,.       72     __Connell_,R.W.og_Wood_,J.(2005)._Globalization_Ԁ_and_Ԁ_business_Ԁ_masculinities_.Men_and_Ԁ_Masculinities_,  7,347!364.  :sH$ISUS.,,,..XXXX? XX0?vvbX0#ggdd  ISIS,.       73     _UmrWuumnUjagerWrWandikarlmennskueraWfinnatmaritinuSpssan,sumar2010,bls.28!29.  :sH$ISUS.,,,..XXXX? XX0?vvbX0#ggdd  ISIS,.       74     _0YessusambandihefureinnigveriWstuWstviWenskahugtakiW_homosociality_,semlUsahvernigkarlar  hyglaogstyWjaaWrakarlaogstuWlaYannigaWvldumkarlaogkostnaWvaldakvenna,konurnarkomastaldrei E aWborWinu. m :sH$ISUS.,,,..XXXX? XX0?vvbX0#ggdd  ISIS,.       75     _GyWaMargrtPtursd;ttir(2009)._Within_Ԁtheauraof_gender_Ԁ_equality_:_Icelandic_Ԁ_work_Ԁ_cultures_,_gender_  _relations_Ԁ_and_Ԁ_family_Ԁ_responsibility_.A_holistic_Ԁ_approach_.DoktorsritgerW,_Stj;rnmlafrWideild_ԀHsk;la E 0slands. Z :sH$ISUS.,,,..XXXX? XX0?vvbX0#ggdd  ISIS,.       76     _GuWbjrgLindaRafnsd;ttir(1995)._Kvinnofack_Ԁ_eller_Ԁ_integrering_Ԁ_som_Ԁ_strategi_Ԁ_mot_Ԁ_underordning_:  _Diskussion_Ԁkring_kvinnliga_Ԁ_fackfreningar_Ԁ_p_Ԁ_Island_.Lund:Lund_University_Ԁ_Press_. E 0  GyWaMargrtPtursd;ttir(2009)._Within_Ԁtheauraof_gender_Ԁ_equality_:_Icelandic_Ԁ_work_Ԁ_cultures_,_gender_ ` _relations_Ԁ_and_Ԁ_family_Ԁ_responsibility_.A_holistic_Ԁ_approach_.DoktorsritgerW,_Stj;rnmlafrWideild_ԀHsk;la  0slands.U 0  GyWaMargrtPtursd;ttir(2006).Skreppurog_PollUanna_:Um;lkamguleikaogsUnkynjannainnan p vinnustaWaReykjavkurborgarsamrmingufjlskyldulfsogatvinnu.0BlfarHauksson(_ritstj_.),   Ranns;knir_flagsvsindum_Ԁ_VII_Ԁ(bls.435!444).Reykjavk:_Flagsvsindastofnun_ԀHsk;la0slands. / :sH$ISUS.,,,..XXXX? XX0?vvbX0#ggdd  ISIS,.       77     _Jfnumleikinn:Handb;kum_kynjasamYttingu_(2009).Akureyri:_Jafnrttisstofa_.  :sH$ISUS.,,,..XXXX? XX0?vvbX0#ggdd  ISIS,.       78     _GyWaMargrtPtursd;ttir(2009)._Within_Ԁtheauraof_gender_Ԁ_equality_:_Icelandic_Ԁ_work_Ԁ_cultures_,_gender_  _relations_Ԁ_and_Ԁ_family_Ԁ_responsibility_.A_holistic_Ԁ_approach_.DoktorsritgerW,_Stj;rnmlafrWideild_ԀHsk;la E 0slands. ` 0  GyWaMargrtPtursd;ttir(2007).?_Going_Ԁ_global_ :Btrsslenskra_hugbnaWarfyrirtkja_Ԁogsamrming  fjlskyldulfsogatvinnu.0GunnarX;rJ;hannesson(_ritstj_.),Ranns;knir_flagsvsindum_Ԁ_VIII_Ԁ(bls. U 381!390).Reykjavk:FlagsvsindastofnunHsk;la0slands. m :sH$ISUS.,,,..XXXX? XX0?vvbX0#ggdd  ISIS,.       79     _GyWaMargrtPtursd;ttir(2009)._Within_Ԁtheauraof_gender_Ԁ_equality_:_Icelandic_Ԁ_work_Ԁ_cultures_,_gender_  _relations_Ԁ_and_Ԁ_family_Ԁ_responsibility_.A_holistic_Ԁ_approach_.DoktorsritgerW,_Stj;rnmlafrWideild_ԀHsk;la E 0slands. m :sH$ISUS.,,,..XXXX? XX0?vvbX0#ggdd  ISIS,.       80     _GyWaMargrtPtursd;ttir(2009)._Within_Ԁtheauraof_gender_Ԁ_equality_:_Icelandic_Ԁ_work_Ԁ_cultures_,_gender_  _relations_Ԁ_and_Ԁ_family_Ԁ_responsibility_.A_holistic_Ԁ_approach_.DoktorsritgerW,_Stj;rnmlafrWideild_ԀHsk;la E 0slands.  :sH$ISUS.,,,..XXXX? XX0?vvbX0#ggdd  ISIS,.       81     __Connell_,R.W.(1987)._Gender_Ԁ_and_Ԁ_power_:_Society_,the_person_Ԁ_and_Ԁ_sexual_Ԁ_politics_._Stanford_,_California_:  _Stanford_Ԁ_University_Ԁ_Press_.  :sH$ISUS.,,,..XXXX? XX0?vvbX0#ggdd  ISIS,.       82     _XUWinginerfenginfrAuWiAWalsteinsd;ttur,Spssa,sumar2010,bls.28. b :sH$ISUS.,,,..XXXX? XX0?vvbX0#ggdd  ISIS,.       83     __Scott_,J.W.(1996)._Gender_:A_Useful_Ԁ_Category_Ԁof_Historical_Ԁ_Analysis_.0J.W._Scott_Ԁ(_ritstj_.),_Feminism_  &_History_Ԁ(bls.152!180)._Oxford_,_New_Ԁ_York_:_Oxford_Ԁ_University_Ԁ_Press_. _ :sH$ISUS.,,,..XXXX? 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XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        556     Ranns;knarnefnd_AlYings_Ԁ2010:AWdragandiogorsakirfallsslenskubankanna2008ogtengdir  atburWir.Bindi6,bls.112!134. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        557     Ranns;knarnefnd_AlYings_Ԁ2010:_AWdragandi_Ԁ_og_Ԁ_orsakir_Ԁfalls_slensku_Ԁ_bankanna_Ԁ2008_og_Ԁ_tengdir_  _atburWir_._Bindi_Ԁ7,_bls_.295. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        558     Samaheimild,bls.295!296. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        559     Samaheimild,bls.296!298. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        560     Samaheimild,bls.298. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        561     Samaheimild,bls.300!302. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        562     Samaheimild,bls.302!304. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        563     Samaheimild,bls.304!309. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        564     Ranns;knarnefnd_AlYings_Ԁ2010:_AWdragandi_Ԁ_og_Ԁ_orsakir_Ԁfalls_slensku_Ԁ_bankanna_Ԁ2008_og_Ԁ_tengdir_  _atburWir_._Bindi_Ԁ6,_bls_.259!264. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        565     Samaheimild,bls.254!259. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        566     Ranns;knarnefnd_AlYings_Ԁ2010:_AWdragandi_Ԁ_og_Ԁ_orsakir_Ԁfalls_slensku_Ԁ_bankanna_Ԁ2008_og_Ԁ_tengdir_  _atburWir_._Bindi_Ԁ7,_bls_.307!308. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        567     Sjnnarsmuheimild,bls.308. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        568     Samaheimild,bls.308!309. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        569     Samaheimild,bls.309!312. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        570     Samaheimild,bls.309!310. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        571     Samaheimild,bls.312!316. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        572     Samaheimild,bls.312!314. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        573     Samaheimild,bls.312!313. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        574     Samaheimild,bls.295!300. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        575     Samaheimild,bls.313. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        576     Samaheimild,bls.300. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        577     Samaheimild,bls.313. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        578     Samaheimild,bls.302!304. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        579     Samaheimild,bls.313. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        580     Samaheimild,bls.304!309. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        581     Samaheimild,bls.313!314. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        582     Samaheimild,bls.309!312. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        583     Samaheimild,bls.314. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        584     Samaheimild,bls.314. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        585     Samaheimild,bls.314!315. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        586     Samaheimild,bls.314. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        587     Samaheimild,bls.295!300. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        588     Samaheimild,bls.304!309. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        589     Samaheimild,bls.314. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        590     Samaheimild,bls.300!304. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        591     Samaheimild,bls.314!315. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        592     Samaheimild,bls.315. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        593     Samaheimild,bls.315!316. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        594     Samaheimild,bls.315. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        595     Samaheimild,bls.295!300. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        596     Samaheimild,bls.309!312. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        597     Samaheimild,bls.300!302. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        598     Samaheimild,bls.304!309. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        599     Ranns;knarnefnd_AlYings_Ԁ2010:_AWdragandi_Ԁ_og_Ԁ_orsakir_Ԁfalls_slensku_Ԁ_bankanna_Ԁ2008_og_Ԁ_tengdir_  _atburWir_._Bindi_Ԁ6,_bls_.78!237. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        600     _Ranns;knarnefnd_Ԁ_AlYings_Ԁ2010:_AWdragandi_Ԁ_og_Ԁ_orsakir_Ԁfalls_slensku_Ԁ_bankanna_Ԁ2008_og_Ԁ_tengdir_  _atburWir_._Bindi_Ԁ7,_bls_.315. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        601     Samaheimild,bls.300!304. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        602     Samaheimild,bls.316!316. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        603     Samaheimild,bls.309!312. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        604     Samaheimild,bls.316. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        605     Samaheimild,bls.316. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        606     Samaheimild,bls.316!318. j_ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        607     Sbr.5.gr.laganr.87/1998um_opinbert_Ԁ_eftirlit_Ԁ_meW_Ԁ_fjrmlastarfsemi_. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        608     Ranns;knarnefndAlYingis2010:_AWdragandi_Ԁ_og_Ԁ_orsakir_Ԁfalls_slensku_Ԁ_bankanna_Ԁ2008_og_Ԁ_tengdir_  _atburWir_._Bindi_Ԁ2,_bls_.127!131. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        609     Ranns;knarnefndAlYingis2010:_AWdragandi_Ԁ_og_Ԁ_orsakir_Ԁfalls_slensku_Ԁ_bankanna_Ԁ2008_og_Ԁ_tengdir_  _atburWir_._Bindi_Ԁ5,_bls_.119!121. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        610     Ranns;knarnefndAlYingis2010:_AWdragandi_Ԁ_og_Ԁ_orsakir_Ԁfalls_slensku_Ԁ_bankanna_Ԁ2008_og_Ԁ_tengdir_  _atburWir_._Bindi_Ԁ2,_bls_.127!131. ~_ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        611     Ranns;knarnefndAlYingis2010:_AWdragandi_Ԁ_og_Ԁ_orsakir_Ԁfalls_slensku_Ԁ_bankanna_Ԁ2008_og_Ԁ_tengdir_  _atburWir_._Bindi_Ԁ7,_bls_.317. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        612     Samaheimild,bls.318!325. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        613     _Sbr_._Ygildandi_Ԁ_lg_Ԁ_nr_.36/2001,um_SeWlabanka_Ԁ_0slands_. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        614     Samaheimild.bls.319!321. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        615     Ranns;knarnefndAlYingis2010:_AWdragandi_Ԁ_og_Ԁ_orsakir_Ԁfalls_slensku_Ԁ_bankanna_Ԁ2008_og_Ԁ_tengdir_  _atburWir_._Bindi_Ԁ6,_bls_.40!56. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        616     Ranns;knarnefndAlYingis2010:_AWdragandi_Ԁ_og_Ԁ_orsakir_Ԁfalls_slensku_Ԁ_bankanna_Ԁ2008_og_Ԁ_tengdir_  _atburWir_._Bindi_Ԁ7,_bls_.321!325. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        617     Samaheimild,bls.321!325. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        618     Sj_nnar_L  M  Ԁ_kafla_Ԁ21.5.2__ԀL  M  _Ranns;knarnefnd_ԀL  M  _AlYingis_Ԁ2010L  M  :L  M  _AWdragandi_Ԁ_og_Ԁ_orsakir_Ԁfalls_slensku_  _bankanna_Ԁ2008_og_Ԁ_tengdir_Ԁ_atburWir_L  M  .L  M  _Bindi_Ԁ7,L  M  L  M  _bls_.28L  M  6L  M  !288. 0_ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        619     Nefndarlitallsherjarnefndarum286.ml138._lggjafarYingi_,_Yskj_.521. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        620     Samaheimild,bls.327!335. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        621     Samaheimild,bls.328!329. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        622     Samaheimild,bls.329!330. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        623     Samaheimild,bls.330!331 _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        624     Samaheimild,bls.331!332. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        625     Samaheimild,bls.332. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? XX0?vvbX0#ggdd  8xdXXd8ISIS,. @        626     Samaheimild,bls.332. _ :sHISUS.,,,..T@RW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4\XħXT@@ ? 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XrttfyriraWL  M  Tryggingarsj;WurinnstWueigendaogfjrfestaL  M  Ԁvrisjlfseignarstofnunfll `  sj;WurinnoginnstWutryggingarundirmlefnasviWviWskiptarWherraognauWsynlegt ( varaWtakaafstWutilYesshvernigsj;WurinngtistaWiWviWhinalgbundnulgmarks  greiWsluskyldusnaoghvortogYhverttiaWveraaWkomaslenskarkisinsaWYvaW  gerasj;WnumYaWkleift.EinnigverWiaWteljaaWrWherrumhafiboriWaWbyggjayfir a lUsingarumstuWningviWbankanatraustumgrundvelli.L  M  z ;#  602      L  M  ԀL  M  i0JK݌T, Ќ  "i0J"  L  M  i0Ji2%  3  .3  Ԉ0    XerYaWmatL  M  ranns;knarnefndarAlYingisL  M  ,sbr.kafla21.5.4.6L  M  ,L  M  {D ;#  603      L  M  ԀL  M  aWviWskiptarWherra  hafifyrirsittleytihaftfullttilefnitilYessannarsvegarfrfyrstumnuWumrsins2008  aWfylgjaYveftirogfullvissasigumaWunniWvrimeWvirkumhttiaWflutningiIce   saveL  M  ԄL  M  reikningannayfird;tturflagoghinsvegara.m.k.frsumrinuL  M  ԀL  M  2008aWleitaleiWa  X kraftiembttissnstilYessaWstuWlaaWframgangisamamlsmeWvirkriaWkomu K #  rkisvaldsins.EnginmerkieruumfrekariviWleitnihanstilaWfylgjamlinueftireftir    fundmeWfjrmlarWherraBretlands2.september2008.L  M  | ;#  604      L  M  ԀL  M  i0Ji݌   Ќ  "i0J"  L  M  i0J2%  4  .3  Ԉ0    L  M  Ranns;knarnefndAlYingisL  M  ԀteluraWviWskiptarWherrahafiaWdragandabankahrunsins   ekkigripiWtilviWhltandirWstafanasamrmiviWYaWsemtilefnivartilsamkvmt wO  framangreinduogteluraWmeWYvathafnaleysisnuhafihannltiWhjlWaaWbregWast B  viWyfirvofandihttuviWeigandihttogmeWYvsUntafsrvanrksluskilningi1.    mgr.1.gr.lL  M  agaL  M  Ԁnr.142/2008.L  M  } ;#  605      L  M  i0J`݌  Ќ  L  M  Forstj;riFjrmlaeftirlitsinsL  M  .L  M  ~T ;#  606      L  M   nF L  M    Forstj;riL  M  FjrmlaeftirlitsinsL  M  Ԁannastdaglegastj;rnunstarfsemiogrekstristofnunarinn 9 ar.L  M   ;#  607      L  M  ԀL  M  Ranns;knarnefndAlYingisL  M  Ԁvsartilkafla8.6.5.5L  M   ;#  608      L  M  Ԁog16.5.9L  M   ;#  609      L  M  ԀumYaWhvernighn  hefurtaliWsrstakastWutilaWgeraathugasemdirviWYaWhvernigstaWiWhefurveriWaWYv  hjL  M  FjrmlaeftirlitinuL  M  ԀaWkomamlumformleganfarvegYegarlj;shefurkomiWaW r eftirlitsskylduraWilifylgirekkilgumogWrumreglumsemgildaumstarfsemihans.Xtelur e= L  M  nefndinL  M  ԀYaWathyglisverthvernigL  M  FjrmlaeftirlitiWL  M  ԀhefurbrugWistviWgreiningimilli 0 stofnunarinnarogeftirlitsskyldraaWilaumtlkunreglnaumst;rarhttur.L  M  Ranns;knar  nefndinL  M  ԀteluraWgangaverWialmennttfrYvaWsamkvmtYeimlgumsemL  M  Fjrmla  eftirlitiWL  M  ԀstarfareftirberiYvaWsetjamlsamhliWaeWaflj;tlegalgformleganfarvegtilaW i tryggjaaWhgtsaWfylgjaYveftirmeWYvingunarrrWumogeftiratvikumviWurlgum \4 eftilmlumumrbturerekkisinnt. 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Lj;steraWYrrkisstj;rnirsemstufr1995!2008lgWuherslust;riWjuogvirkjanir  sinniatvinnustefnu.FramkvmdirnarviWKrahnjkavoru?einhverjarmestuframkvmdir r 0slandssgunnar (1:116)einsogsegirgreininguSeWlabankansfr7.janar2003. e= St;riWjustefna2004!2007f;lsrYrefldunlframleiWslumeWtilheyrandivirkjanafram 0 kvmdum.0skUrsluRNAervikiWaWYvaWYarnahafiveriWumkarlastrfaWrWa:  0  000vEES-samningurinngreiddifyrirflutningivinnuaflsmillilanda.Erlendumrkisborg i urumvinnualdrifjlgaWiverulegahrlandifrYvummiWjantundaratug \4 sWustualdar.[8]berandierhvehlutfallkarlaYessumaldri[20til50ra]meW ' erlentrkisfanghkkarmikiWrunum2006,2007og2008enYeru18%karla  Yessumaldrilandinutlendingar.XessimiklaaukningstafaraWmikluleytiafst;r  framkvmdumoggrWarlegumumsvifumbyggingariWnaWiYessumrumen `  umfangYessaraframkvmdavarslktaWYrvarWaWmannaaWst;rumhlutameW S+! innfluttuvinnuafli.(1:86)"vv   #   St;riWjasematvinnustefnahefurkynjavddmar&   gvslegumskilningi.Strfinerudmi ( gerWkarlastrf'(hogkarlareruyfirgnfandimeirihluta. ;#  18      ׀EittmegineinkennibyggWarskunar  eraWfleirikonuryfirgefalandsbyggWinaenkarlar,m.a.vegnaskortsatvinnutkifrumviW  hfi. ;#  19      ׀MeginrkinfyrirframkvmdinnivoruaWaflaatvinnutkifraogspornagegn a byggWarskun.HpiWvriYvaWhaldaYvframaWst;riWjaAusturlandihafiYj;naWhags T, munumkvenna.AtvinnuleysivarmeirameWalkvennaenkarlaAustfjrWumfyrirfram  kvmdinaogbrottflutningurYeirraafsvWinumeirienkarla.d ;#  20      ׀MeWst;riWjuverkefnum  AusturlandivoruskpuWdmigerWkarlastrfYarsemmeiravarhfiaWskapakvennastrf   afofangreindumstWum.  X   KannanirsUnaaWkonurAusturlandikomuminnaaWframkvmdunumenkarlar.Hin K #  nUjustrfvoruaWnokkrumhlutaunninaferlendumkarlmnnum,einsogframkomhraW    framanogYannigj;kstkynjahallinnennfrekar.KonurhfWuminnitrframkvmdunum    enkarlarogtlduekkiaWframkvmdirnarmyndubtaefnahagslegastWusna. ;#  21      ׀Miklu   frrikonurenkarlarsufyrirsraWframkvmdinskapaWiYeimatvinnutkifri,bWi wO  vegnafjarlgWartilvinnuoglangrarfjarverufrheimiliogbrnum.$  ;#  22      ׀Launamunurkynja B  AusturlandivaryfirlandsmeWaltaliriW2005ogst;riWjuframkvmdirminnkuWusstYann    mun.4  ;#  23      ׀BrUnteraWstj;rnvldtakitillittiljafnrttisogkynjasj;narmiWaslkumfram   kvmdumogmetihrifYeirralluferlinu,einsoglggerarWfyrir.TilYesserutiltk {  margvslegverkfriYarsemhstbersamYttingujafnrttisogkynjasj;narmiWa,og nF kynjaWafjrlagagerW,semgetiWerumhraWframan. 9  2.3.Skattastefna.   0  000vMeginstefnaundanfarinnarkisstj;rnaskattamlumhefurveriWeinfldunskatt r kerfisins,almennarskattalkkanirogafnmUmissaskatta.0stefnuyfirlUsingurkis e= stj;rnarinnarfr1999segiraWskattalggjfinverWiendurskoWuWmeWYaWmarkmiW 0 aWdragarjaWarhrifumogmismununogstuWlaaWaukinniskilvirkni.Xerstefnt  aWsamrmingulagningueignaskattsoglkkuneignaskattshsnWi.EinnigaW  einfldunskattlagningufyrirtkjatilaWtryggjasamkeppnisstWuslensksatvinnu i lfs.(1:126,skletrunokkar)\4vv   '   0stefnuyfirlUsingurkisstj;rnarinnarriW20& a  03kemurframeftirfarandimarkmiW: ( 0  000v?Tryggja'a(vaukinnkaupmttYj;WarinnarmeWmarkvissumaWgerWumskattamlum .  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B    riW1978vartekinuppeinstaklingsskttun0slandi,eWa(takmrkuW)srskttunmeW    lgumnr.40/1978.framvarY;heimiltaWmillifra80%afpers;nuafslttimillihj;naog   sWarvarWheimiltaWmillifrahannaWfullu.X;ttkerfiWsformlegakynhlutlaustogbyggt {  einstaklingsskttunhefurYaWkynbundnarafleiWingarfyrirfjlskylduf;lkogkvarWanir nF YessumhegWunvinnumarkaWi.D ;#  25      ׀0slandivarflaturtekjuskatturframtilrsins2010Yegar 9 stighkkanditekjuskatturvarinnleiddurogerhann37,22%fyrirlgstatekjuYrepiW. ;#  26        AtvinnutekjurkarlaeruhrrienkvennaogsmunurUkistennfrekarskattkerfinu.Milli  frslapers;nuafslttihefurhrifkvarWanirfjlskyldnaoggjarnankynbundnarafleiW r ingar.Skatturfjrmagns-ogvaxtatekjurerlgrientekjuskattur(18%riW2010envar10% e= Wur,m;tirmlega37%skattiatvinnutekjur).XettafelursrkynjamismununYarsem 0 karlarerufleirimeWalfjrmagnseigendaeinsogframkemurskUrsluRNA.XaWf;lksem  YarfaWvinnafyrirtekjumborgarhrriskattenYaWf;lksemfrtekjursnaraffjrmagni. ;#  27          ErfitteraWmetaeignamunkynjannavegnaYessaWHagstofa0slandsgetureinungis i reiknaWhanntfrskattframtlumYarsemhj;nteljaeignirsamanfram.KonurgetaYess \4 vegnatttluverWanauWpapprnumeinsogfrttirriW2009um?afsl eignakarlatil ' eiginkvennasinnasUna. ;#  28      ׀RachaelLornaJohnstoneteluraWskattkerfisemskattleggurfjr  magnstekjurlgraenskattfyriratvinnutekjurhyglihinumhttusknari.08.bindiRNA  eruraktarranns;knirsemsUnaaWkonureruhttumeWvitaWrienkarlar.XsUnaranns;knir `  aWkarlarsulklegrienkonurtilaWhafaofurtrsjlfumsrogYaWekkisstviWfjr S+! mlaheiminum.t ;#  29      ׀AfYessumleiWalkumaWYvaWslktkerfihyglikrlumY;ttYaWs " 0 2   formlegasWkynhlutlaust.TilviWb;tarYessumnefnaaWneikvWhriffjrmlakerfisins ( ogskattkerfisinsfyrirkonurerulklegtilaWtvinnastsaman;fjrmlakerfiWskaparhlauna  strffyrirkarlasemskattkerfiWsWanumbunarennfrekar.0skUrsluRNAkemurframaWein  stWalaunafyrirkomulagshafibeinlnisveriWaW?dragarskattbyrWistarfsmannavegna a frslurtekjuskattifjrmagnstekjuskatt. (3:96).BrUnteraWstj;rnvldtakitillittiljafn T, rttis-ogkynjasj;narmiWaYegarstefnum;tandikvarWanirumskattkerfiWeruteknar,eins  oglggerarWfyrir.TilYesserutiltkverkfriogaWferWirsvosemsamYttingujafnrttis-  ogkynjasj;narmiWa,ogkynjaWafjrlagagerW,semgetiWerumhraWframan.    2.4.HsnWisml.  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( 08.bindiskUrsluRNAvarjafnveltalaWumofltieWahybris:   0  000vAsseenfromtheoutsidemyunderstandingisthatwhat&  haddevelopedherein a Icelandwasa'ikindofnationalhybris.WhenwemetIcelandicbankerstheyseemed T, toholdtheviewthattheyhadinventedsomethingnew,thattheyhadsuperior  competenceandabetterunderstandingofrisksandprofitpossibilitiesascompared  tomoretraditionalandconservativebankers,andthat,intheirview,theskywasthe   onlylimit.(8:90!91) Xvv   OrWintilvitnuninniumaWhiminblminnhafifaliWsreinutakmarkanirnar,aWmati    slenskuviWskiptamannanna;?theskywastheonlylimit ,minnaorWforsetanshraWofan    umkostiYessaWvera?lausviWskrifrWisbkn . ;#  61      ׀BWifelasrtilvsunregluverk   0slendingaenstj;rnvldhfWulagtsrstakahersluaWYaWvriekkiYyngjandiogalls wO  ekkistrangaraenannarsstaWar.XettarmarvelviWandWMillsamflagslegumYvingunum B  semhanntaldiheftandifyrireinstaklingseWli,frumleikaogsnilligfu.0samrmiviWYetta    lgWu0slendingarofurhersluundanYgurfrYeimreglumsemgiltuannarsstaWar.Pll   GunnarPlsson,fyrrverandiforstj;riFME,orWarYaWsvo:?Mennvorusvof;kuseraWirYv {  aWgeraekkertannaWheldurenaWrirvruaWgerameWanmennttuakkrataWveraaWYv.  nF (8:98!99).XaWsemfyrrverandiforstj;riFMEviWeraWhrlandivarrkariYrffyrir 9 srstakarreglurvegnasmWarlandsinsogsrstakraaWstWna.    XanniglagWiLandsbankinnalltkappaWfundanYgubreskafjr&  mlaeftirlitsins(FSA)  vegnaIcesave-innlnanna'#qstaWYessaWgrpatilaWgerWa,f;rujafnvelhartogtlduFSA r ?skortavaldheimild (6:29)tilaWgerWa.FjrmlarWuneytiWstyWurYessaviWleitniLands e= bankans.SmiklaherslaaWfinnaleiWirframhjreglummeWYvaW?challengeera (8:51) 0 YrermerkiumaWttasigekkistWusinni.EinblnterjafnstWuYegarYaWhentar(smu  reglurfyriralla)ensrstWuYegarYaWhentar;?laumufarYegavandamliW (e.freeriders  syndrome)erekkilangtundan.LaumufarYeginnferWastkostnaWannarra,leggurekkerttil, i ennUturvaxtanna.XmgetaYessaWYettaminnirumrWufrWannaumeinkennisem \4 kallaWhefurveriW?boyswillbeboys .0Yvfelstm.a.aW: ' 0  000v[D]rengirYurfihreyfinguaWhalda,YeimerjafnveleWlilegtaWverapnultiW  rsargjarnirogumframalltekkikvenlegireWahommalegir.[8]8lkaaWdrengir `  megiverarltiWbyrgWarlausir.T ;#  62      S+!vv   HugmyndinumhiminblmannsemhinaeinutakmrkunerennfremurstlviWmyndmliW # umhiWblahaf.XessaraWstWurUttuundirsjlfstraustoghttuskni.XaWerekkitilviljun  $ aWeinmittYessiskUringeriWuleganotuWtilaWrttltarUranhlutkvennaatvinnulfinu,ekki !W%  sstmeWalstj;rnendaogleiWtoga;meWWrumorWumkonureruekkiheftarafsamflagslegum J""& hindrunum,YrheftasigsjlfarmeWsnueiginhugarfari. ;#  63      ׀Xessisj;narmiWeinstaklingsgera (  flagslegvandaml,smttakerfislgarhindranirniWurviWhorfoginnritakmarkanirkvenna  sjlfra.0siWfrWihlutaskUrsluRNAerfjallaWumaWslenskvanmetakenndeigivsastsinn  YtttrsardraumnumogvitnaWerorWHannesarSmrasonarfr2007:?KannskiermaWur a pnultiWaWsUnaumheiminumframYaWaWviW0slendingargetumgerteitthvaW. (8:95). T, XettaersamrmiviWhugmyndirumtrsarkarlmennsku;slenskirkarlarvildumtasig  hnattrnusamhengi,keppaviWkarlaWrumlndum!ogtldusighafabetur.    XvirWisthugmyndinumhiminblmanneWablahafiWekkihafaveriWlangtundanYeim   skUringumsemgefnarvorulaunastigifjrmlakerfinu.Einsogframkomkaflanumhr  X aWframanumfjrmlakerfiWsematvinnugreinvorulaunstj;rnendamargfldannarrastarfs K #  mannaoglaunamunurkynjamikill.GjarnanvarvsaWYmiklubyrgWsemfliststj;rnun    bankannaoghveeftirs;ttirstj;rnendurvru,jafnvelerlendis.Bankarnirvrusamkeppni    viWerlendarstofnanirogltiWvaraWYvliggjaaWYeirvrunokkurskonargreiWastarfsemi   viWslensktYj;Wflaglaunastefnusinni,einsogframkemurummlumSigurWurEinars wO  son,kaflanum?Stigveldikarlmennskunnar . B    Xettaerathyglisvertlj;siYessaWstj;rnendurslenskubankannavirtustekkinj;tavirW    ingarerlendis.?UngfyrirtkimeWungastj;rnendur.EitthvaWerungWislegtognUrktviW   Yessatrs (8:89)varviWkvWiWskUrsluumviWhorftlendingariW2006tilslenskra {  fyrirtkjaNorWurlndum.0slendingarvorutaldirvera?highestbiddersintheeurosystem  nF (2:53)ogstj;rnendurYeirrataldirskortareynsluogYekkingu,sbr.eftirfarandiummli 9 skUrsluMerrillLynch31.mars2008:    0  00vWhenclientsaskuswhytheIcelandicbanks&  areconsideredtohaveahigherrisk r profilethantheirotherEuropean'peers,onedoesnothavetosearchhardforanswers: e= rapidexpansion,inexperiencedyetaggressivemanagement,highdependenceon 0 externalfunding,highgearingtoequitymarkets,connectedpartyopacity.Inother  words:toofast,tooyoung,toomuch,tooshort,tooconnected,toovolatile.(6:11)vv   Xsamrmistmeinteftirs;knsnilligfuslenskrabankamannaillaYeirrilUsingueinsaf \4 seWlabankastj;runumeftirfundmeWerlendumseWlabankastj;rumvoriW2008aW?engir ' bankarvildulengureigaviWskiptiviWslenskaviWskiptabankatheimi.Xeirvrueinsog  holdsveikisjklingarsemenginnvildikomanlgt. (6:185).   5.4.ViWoghinir.  S+!   Xegarhallat;kundanftiriW2008fkkumrWanumgtihinnaslenskufyrirtkjaog " stj;rnendannurformerkienhltframaWveraYj;Wernislegumn;tum.Stj;rnvldkomu # tilaWstoWarbnkunummarkaWs-ogmyndartakiYegar;veWursskUinhrnnuWustuppr  $ inu2008.0rWuAlYingi21.febrar2008sagWiforstisrWherraaWbaristyrWifyrirhags !W% munum0slands: J""& 0  000v[X]aWhefurreyndarWurveriWgertogWurhafaaWilarstaWiWsamanumaWkynna #( stWulandsogYj;WarefnahagsmlumtviW.[...]EnauWvitaWgetumviWekkigert $ ) aWYvY;ttoluverWshrrannaenYaWhefurveriWfr1861eWaaWUmisnnurytri ( flldynjiYj;WarbiokkareinsogWrum.ViWYurfumauWvitaWaWlagaokkuraW  slkumstaWreyndumsemkomaerlendisfr.EngrunninnerYj;Warbskapurinnhr  mjgg;WurogviWYurfumaWkomaYvframfri.(6:130)avv   HrerekkigengistviWYvaWmikiWsaWYj;Warbskap0slendingaheldurkomi;gnirnar  erlendisfr.Hin?ytrifll eruundirstrikuWennfrekarmeWYvdramatskastlbragWiaW  setjaoluverW150rasamhengi.XessitilvsunYreifanleganytrivanda,svosemoluverW,   breyttisteftirYvsemleiWriW2008oghugmyndinum?myndarvand[a] (6:168),?orW  X spors-ogumrWuhtta (5:170)j;kst.0brfiSeWlabanka0slands23.aprl2008tilSeWla K #  bankaBretlandssagWi:?TheIcelandicbanksarewellcapitalisedbuttheyaredealingwith    aproblemofperception. (1:174).      GagnrUnierlendisfrvarsvaraWmeWskunumumYekkingarleysieWaannarlegsj;nar   miWogYaWsj;narmiWvarrWandi.RNAtelurt.d.aWFMEhafistuttsj;narmiWLandsbankans wO  gagnvartbreskafjrmlaeftirlitinu(FSA).XannigsagWiforstj;riFMEn;vember2007: B  ?HvortsemaWslkskriferusettframafvanYekkingueWakveWnumtilgangierlj;staW    umtalshttaerorWintluverWhttafyrirslensktfjrmla-ogefnahagskerfi (5:157).   HanngagnrUndiviWannaWtilefniaprl2008?svokallaWskuldatryggingarlag (6:159) {  slenskubankannasemhanntaldifyrirutanllskynsemismrkogbttiviW: nF 0  000vAWmnumatieruorsakirYessahalagsslrn,tknilegoghtternisbundin.XaW  semumeraWrWaeralmennhttuflnialYj;WamrkuWum,tknilegirgallar  ;skipulegumoggrunnummarkaWiogafleiWingillskeyttrarumrWuumbankanaog r slensktefnahagslf.(6:159)e=vv   BtlendingumvorueignuWannarlegsj;narmiWoggegnYeimstandaslenskukarlarnir  saman.XettaerdmiumYYj;WhverfusamtryggingarkarlmennskusemfjallaWerumhraW  aftanenhnvareinkumberandiYegarytri;gnvartalinsteWjaaW.XaWundirstrikarenn i frekarYessarhugmyndiraWhreralYj;WamarkaWurinnsagWur?httuflinn .httuskni \4 oghttuhegWunertengdkarlmennsku,einsogframkomhraWframan,ogandstWaYess ' erhttuflni.XaWorWfriergjarnannotaWumkonurtilaWlUsahugleysienforsvarskonur  AuWarCapitalhafareyntaWhnikaYeirriorWrWuogtalaum?httumeWvitund.  ;#  64      ׀0tilvitnun  innihraWofaneralYj;WamarkaWurinnkvengerWurYessumskilningi,aWgreindurfrs `  lenskuhugarfari,ogsmuandrbendlaWurviWvanYekkinguog?illskeyttaumrWu  S+! (6:159).ForstisrWherraGeirH.HaardegagnrUndimatMoodysfebrar2008meWtil " vsunaWlagspr;fFMEbentutilaWundirstWurbankannavrutraustar.HannsegiraW # ?nnurflenleitinaWsannleikanumrWiferWinnihjneikvWumgreiningaraWilumogfjl  $ miWlum.AllirverWiaWsnabkumsamantilaWbregWastviW (8:159).HrerhfWaWtilYj;W !W% erniskenndarogkarlmennsku;leggjumstrarnar,snumbkumsamangagnvartsameigin J""& legum;vini. #'   fundibankastj;rnarSeWlabankansogYriggjarWherra7.ma2008erhafteftirseWla #( bankastj;raaW?YaWfritaugarnarbreska[seWla]bankanumaWslenskubankarnirsu $ ) farniraWaukainnlnastarfsemiogYeirsuaWbj;WabetrikjrenYeirbresku (6:173)rtt v%N!* einsogumtilhfulausataugaveikluneWapirringsaWrWa.Bankastj;rarLandsbankans A&"+ teljaFSAsUna?;bilgirni (6:23)ogseWlabankastj;rispyrhvorttilgreinakmiaW?standa ( lappirnargagnvartFSA (6:23).UpplifaWvaldseWlabankastj;ravarekkitaktviWraunveru  legtvaldhans,einsogsWarkomdaginn,ene.t.v.samrmiviWhugmyndafrWihinsbla  hafsaWhindranirnarsuhfWinuokkur.GagnrUnieWaneikvWnitlendingavirWistenn a fremurlitintilefnislausogfyrstogfremsthfWinuYeim.0samaandaerfrsgnforstis T, rWherraafbrfiFSAummlefniLandsbankans15.gst2008.HannsegirYaW?hryllilegt  brf (6:27).ViWbrgWinberakeimafYj;Whverfu,tlendingarnireru&  uppfullirafvitleysuog  ranghugm'yndum:   0  000vHann[forstisrWherra]segir:?ViWerumbinaWsetjahrnagangvinnustraxtil K #  aWsvaraallrivitleysunniYessubrfiumYaWsemsnUraWslenskumefnahags    mlum,YvaWbrfiWerfulltafrangfrslumumYaW[...]. (6:27)  vv   Xj;Wernislegirundirt;nareruekkisstberandiumrWunniumIcesavereikninganaog wO  erlendsamskiptivegnaTryggingarsj;WsinnstWueigendaogfjrfesta(TIF).XaWsemWur B  erlitiWsemfjandsamlegviWhorf,jafnvelfund,breytist;ttaviWumsturogrsirYegar    lWatekuraWhruninu.HugrekkiWmsnltilsoghindranireruekkilengurbarahuglgar,   heldurvirWistveraumsamsriogrsiraWrWa.EftirfarandiummliseWlabankastj;rasUna {  Yetta: nF 0  000vMenn[voru]farniraWveltaYvfyrirsraWalYj;WasamflagiW,[...]hefWiveriWbiW  aWkveWaYaWaWviWfrumhausinn.HingaWkommaWur,semvar[hagfrWingur  hj]BIS[...]mjgmerkilegurmaWuroghafWioftveriWundanWrumaWsjhluti. r HannborWaWihrnameWokkureittkvldiWjl[2008][...].XsagWihann:XaWer e= biWaWkveWaaWeinnst;rbankiverWurltinnfarahausinn,YaWverWaLehman 0 brWur,ogsWaneittland,ogYaWverWiWYiW.[...]gverWaWviWurkennaaWYegar  LehmansbrWurf;ruhausinnkomuYessiummliupphugann.(6:272).vv   SmuviWhorfbirtusthjSigurj;niX.rnasyniYarsemhannlUsirvandrWumBear \4 StearnsvoriW2008: ' 0  000vHvaWgerist?AllirhluthafarYurrkasttenllumskuldabrfaeigendum&  erbjargaW.  XaWsem'bgerWistYeimpunktivaraWallirhorfWuoghugsuWu,jYaWerBearStearns, `  YaWernminnstamliW,honumvarbarabjargaW,YverWurbarallumbjargaW.XaW S+! verWurviWsnningurmarkaWihjllumheiminum,ll?creditspread lkkaum " allanheim!nemaYrjbanka.Xrrslenskirbankar.EnhvarerekkiveriWaW # bjarga?[...]HverjaeigumviWYaWskortselja?0slenskabanka.OgYaWmyndaWist  $ baraskriWaokkur.OgrosalegneikvWni.(6:141)!W%vv 0  000vOgghugsaWi,guWminng;Wur,YaWerveriWaWgerarsokkur,nerumviW #' komnirvesen.Xarnavarghrddur,guWminng;Wur,allurheimurinnskynjarYaW #( nnaaWYaWshgtaWdrepaokkurvegnaYessaWokkurverWiekkibjargaW,llum $ ) WrumverWibjargaWafYvaWssemaWbjargaokkurhanngeturYaWekki,hann v%N!* hefurekkisamningviWneinntilaWhjlpasroghefurekkigertneittYv.Xannig A&"+ upplifWumviWYaW.(8:101) '",vv   '#-   Lj;steraWseWlabankastj;riogbankastj;riLandsbankansupplifastandiWeinsogst;rt (  samsriogaWrWists0slandaW;sekju.0slanderberskjaldaWeinsoghjlparlaustf;rnar  lamb.SjlfsryggiogvkingaorWrWakomaekkiaWgagni.Bankamennirnirsemekkivildu  afskiptirkisinsnokkrumrumfyrrvildunaWYeimyrWi?bjargaW enssemttiaWbjarga a gatYaWekkiYvhann[seWlabankinn]?hefurekkisamningviWneinntilaWhjlpasr (6:141). 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