abstract: about 60% of total premium of insurance industry is pertained?to life policies in the world; while the life insurance total premium in iran is less than 6% of total premium in insurance industry in 2008 (sigma, no 3/2009). among the reasons that discourage the life insurance industry is the problem of adverse selection. adverse selection theory describes a situation where the inf...

دسته ای از ترکیبات شیمیائی که مخصوصا با گسترش زندگانی جدید (ماشینی)اهمیت فرآینده ای پیدامی کنند، افزودنیهای مختلف غذائی میباشند که در صنایع مربوطه بکار گرفته می شوند بکارگیری بخشی از این موا تحت عنوان طعم دهنده ها بمنظور تامین طعم و مزه طبیعی درفرآورده های صنعتی تقریبا اجتناب ناپذیر گشته و همگام با توسعه تولیدات روبه توسعه می رود. یک شناخت سیستماتیک و جامع از خواص و آثار اینگونه مواد طبیعتا مست...

a problem of computer vision applications is to detect regions of interest under dif- ferent imaging conditions. the state-of-the-art maximally stable extremal regions (mser) detects affine covariant regions by applying all possible thresholds on the input image, and through three main steps including: 1) making a component tree of extremal regions’ evolution (enumeration), 2) obtaining region ...

Abstract Study of physiological reactions of recombinant inbreed lines (RILs) to drought stress could help to identify the actual drought tolerance mechanisms. In this view a field experiment was conducted to evaluate the effect of drought stress on chlorophyll content , leaf proline content, leaf length, leaf width, leaf area, peduncle length and plant height using 169 RILs, in the two separat...

abstract this mixed method study examines whether there is any relationship among the variables of the study (job satisfaction, social capital and motivation). the researcher considered job satisfaction and social capital as independent variables; motivation is the dependent variable of the study. the researcher applied a questionnaire to assess each variable. to measure efl teachers’ job sati...

feminine voice and narratology in wuthering heights wuthering heights as a general "bronte" work has extraordinary dimensions to it which can make it focal to different ways of interpretation. among other differences the issue of narrative voice is essential in understanding the ultimate purpose of wuthering heights. emily bronte uses different narrators from various focal points speaking of m...

one very decisive factor in students’ academic destiny is the result they get at final term examinations. because of its importance, both students and teachers are curiously anxious about them. as normally it is the case, these final term tests are prepared hurriedly in short time by teachers which result in students’ dissatisfaction, complaining on how the test was different from their expecta...

کتاب تبصره المومنین(نگارش در سال1080ق) تالیف محمد مومن حسینی تنکابنی، جوابیه و ردّیه ای بر سخنان ملامحمد طاهر قمی در کتاب تحفه الاخیار است. این تحقیق تصحیح انتقادی و نقد وبررسی این کتاب است که نسخه مجلس شورای اسلامی اساس قرارداده شده و با سه نسخه دیگر مقابله شده است. نویسنده کتاب یکی از پزشکان دربار شاه سلیمان صفوی(1077) است. وی در عصری زندگی می کند که تصوف وصوفیان اگرچه درحمایت نسبی حکومت هستند...