the main logic behind the demand for life insurance is to hedge against the labor income uncertainty due to premature death of a wage earner. in other words, life insurance is the device by which this labor income uncertainty is handled. for insurers, the uncertainty arises from the lack of knowledge about the age of death of the wage earner. this paper attempts to derive life insurance demand ...

A pilot scale wastewater treatment plant was designed, constructed and operated on site to treat wastewater from a combined effluent drain. The activated sludge process (ASP) was used at three different hydraulic retention times (HRT) of 12, 10 and 8 hrs at an average MLSS concentration of 3500 mg/L. Under each HRT, the pilot plant was operated for a period of 10-12 weeks. Chemical oxygen deman...

The efforts of modern civilization to create an environment to meet human aspirations have successfully resulted in constant improvements of our lifestyle, but it has increased risks to human and ecological health. This situation has motivated many scientists throughout the world to analyze the environmental factors that can affect our health or ecology and to calculate the levels of risk. In B...

Without significant intervention, demand for crude oil could rise by a further 25% by 2035, stemming from its use for transportation, particularly road transport. Many technologies for alternative fuels and substitute transport energy carriers are being researched, but successful implementation of these technologies at scale will require attention to consumer-behavioural and policy challenges a...

This study presents an optimal framework for the operation of integrated energy systems using demand response programs. The main goal of integrated energy systems is to optimally supply various demands using different energy carriers such as electricity, heating, and cooling. Considering the power market price, this work investigates the effects of multiple energy storage devices and demand res...

Background and Objectives: Pharmaceutical expenditures are responsible for a major part of health systems’ cost. According to the WHO’s statistics, Iran is the first among the 20 countries in the world in terms of drug consumption. The first step in controlling consumption of a particular good is to identify factor inducing the relevant demands. Hence, this study aimed to identify the pattern a...

Today’s networks are filled with a massive and ever-growing variety of network functions that coupled with proprietary devices, which leads to network ossification and difficulty in network management and service provision. Network Function Virtualization (NFV) is a promising paradigm to change such situation by decoupling network functions from the underlying dedicated hardware and realizing t...

OBJECTIVE to evaluate the association between psychological demands, control over the work and the reduction of work ability of nursing professionals. METHOD this cross-sectional study involved 498 nursing professionals of a university hospital in the State of Rio Grande do Sul, Brazil. Data collection was carried out in 2009 using the Brazilian versions of the Work Ability Index and Job Stre...

Effluent discharge from septic tanks is affecting the environment in developing countries. The most challenging issue facing these countries is the cost of inadequate sanitation, which includes significant economic, social, and environmental burdens. Although most sanitation facilities are evaluated based on their immediate costs and benefits, their long-term performance should also be investig...