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...

‏‎‏‎utopia has, for four centuries, accompanied that hope of progress and that striving for betterment. it now straggles against a widespread sense that this has been an illusion, or an impossible dream. the utopian idea can never entirely disappear, but utopia as a form of the social imagination has clearly weakened. if it cannot instill its vision in the public consciousness, the consequences...

deployable scissor type structures are composed of the so-called scissor-like elements (sles), which are connected to each other at an intermediate point through a pivotal connection and allow them to be folded into a compact bundle for storage or transport. several sles are connected to each other in order to form units with regular polygonal plan views. the sides and radii of the polygons are...

چکیده توان بالقوه تجاری سلولازها و کاربردهای گوناگون آن ها در بسیاری از صنایع انگیزه ای قوی برای تحقیق در این زمینه طی چند دهه گذشته بوده است. با توجه به کاربردهای فراوان این آنزیم در صنایع غذایی? در این پژوهش تصمیم به جداسازی ریزسازواره های تولید کننده سلولاز از خاک درختان انار، انگور، خرمالو و گردو حیاط دانشکده کشاورزی تربیت مدرس، گرفته شد. در این بین خاک درخت خرمالو به دلیل دارا بودن تعداد ...

Objectives Spouse abuse against women is the most prevalent type of family violence, and its harmful consequences threaten both women’s health and their well-being in family and society. It is very important to find the factors that eliminate these deleterious effects and protect women’s health. The aim of this study was to explore the moderator effect of personality characteristics...

1. to determine whether difference in birth body mass influenced growth performance in pipistrellus kuhlii we studied a total of 12 captive-born neonates. bats were assigned to two body mass groups: light birth body mass (lbw: 0.89 ± 0.05, n=8) and heavy birth body mass (hbw: 1.35 ± 0.08, n=4). heavier body mass at birth was associated with rapid postnatal growth (body mass and forearm length) ...

this study attempted to explore if teaching english collocations through two different modes of awareness-raising and input flooding has any possible differential effect on immediate retention as well as retention in a delayed assessment. it also compared the possible differential effect of teaching english collocations implicitly and explicitly on actively using the items in writing. m...

abstract nowadays, the science of decision making has been paid to more attention due to the complexity of the problems of suppliers selection. as known, one of the efficient tools in economic and human resources development is the extension of communication networks in developing countries. so, the proper selection of suppliers of tc equipments is of concern very much. in this study, a ...

on this project we try to calculated power of hydrogen on dycarbonil compound in different ways ; the first way is shoster way , for sain power of hydrogen notice the different power between central conforms on it and main conform that’s didn’t have hydrogen joint . or in other way different of energy between open and close form. second way, is average way? this is for way that studied conf...