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...

Objective Political behavior in organizations is influenced by the differences in perceptions and attitudes of the staff, nature of the action, or people's perception of reality. Such behavior stems from the perception and reaction to self-interest. Different studies have showed that this behavior is an inevitable part of any human activity. Staff when asked about political behavior in the wo...

a novel and ultra low cost isfet electrode and measurement system was designed for isfet application and detection of hydronium, hydrazinium and potassium ions. also, a measuring setup containing appropriate circuits, suitable analyzer (advantech board), de noise reduction elements, cooling system and pc was used for controlling the isfet electrode and various characteristic measurements. the t...

section{introduction} the concept of {sl cartan geometry} appeared at the beginning of the twentieth century, when {e}lie cartan was working on the so-called {sl equivalence problem}, the aim of which is to determine whether two given geometric structures can be mapped bijectively onto each other by some diffeomorphism. this problem can be considered in many different contexts, such as ...

Organizations, in both public and private sectors, are designed to meet different goals and objectives. Undoubtedly, productivity is one of the most significant objectives toward which administrators should plan and set goals. Because an unproductive organization is unable to function properly and survive in the long term. Reviewing literature on productivity concept reveals that there are dif...