electronic banking has many benefits for government, banks’ stakeholders and customers. many banks in many countries such as iran increasingly develop their infrastructures to provide e-banking services. also, there are many researches that have been conducted to explain how we can encourage people to use e-banking services. in this paper, we explore the effects of various factors on both custo...

background: nowadays artificially assisted reproductive techniques are used to cure infertility. these methods are highly expensive, time-consuming and have low success rates which are usually around 20-40%. one of the best alternate methods for infertility treatment that can be considered is adoption that often decreases the treatment costs and the psychological impact within an infertile coup...

We study a symmetry, schematically Energy → – Energy, which suppresses matter contributions to the cosmological constant. The requisite negative energy fluctuations are identified with a “ghost” copy of the Standard Model. Gravity explicitly, but weakly, violates the symmetry, and naturalness requires General Relativity to break down at short distances with testable consequences. If this breakd...

We present a brief review of Big Bang Nucleosynthesis (BBN). We discuss theoretical and observational uncertainties in deuterium and helium-4 primordial abundances and their implications for the determination of important cosmological parameters. We present, moreover, some recent results on active-sterile neutrino oscillations in the early universe and on their effects on BBN.

We study the effect from a general ultralocal supermetric on primordial nucleosynthesis for Friedmann-Robertson-Walker Cosmology. The parameter λ of the supermetric changes the effective number of degrees of freedom, g∗, which modifies the Friedmann equation. This modification produces variations in the production of primordial 4He. The observations of the primordial abundances of light element...

Children Are Good Observers Children learn from actively investigating the world around them. Coming upon a construction site, for instance, a fouryear-old will be curious about the activity. The adult with the child should take the time to stop, really look at what’s going on, and direct the child’s attention to the details. “Let’s watch and see what happens while that dump truck unloads dirt....

A main inhibitor to electronically extending supply chains is that large organizations and the majority of their smaller business partners have incompatible business systems. Big businesses’ sophisticated IT infrastructures support many kinds of information integration, manipulation, and reporting, whereas many small to medium businesses (SMBs) use IT only for simple clerical tasks. Big busines...

Like Computer-Based Training, Web-Based Training (WBT) has embraced multimedia based content as a musthave. The market offers a variety of WBT authoring (hence, MSE) tools. Within their defined scope, these tools offer a high degree of sophistication. The following article discusses the state of the art for such tools. While little may be blamed if one accepts this defined scope, the article pu...

New nondiagonal G2 inhomogeneous cosmological solutions are presented in a wide range of scalar-tensor theories with a stiff perfect fluid as a matter source. The solutions have no big-bang singularity or any other curvature singularities. The dilaton field and the fluid energy density are regular everywhere, too. The geodesic completeness of the solutions is investigated. 04.50.+h, 04.20.Jb, 9...