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...

abstract this study is an attempt to determine the effect of nano- technology education on science lesson for fifth grade in primary school in the city of kermanshah. this research is experimental and is conducted in the from of pre-test and post- test for the control group. an achievement test was administered to determine the rate of learning in the students. the research is an applied one. ...

abstract the primary purpose of this study was to explore the actual practices and cognitions of two groups of iranian eap teachers, i.e. language teachers and content teachers, with respect to teaching reading-comprehension and vocabulary. to this end, tehran university of medical sciences which authorizes both groups of teachers to teach eap courses was selected as the context of the study s...

the purpose of this two-phase, sequential mixed methods study was to find out whether there were any decencies between male and female ma students’ theses regarding the common features of academic writing such as syntactic complexity, means of integrating cited information, and organizing arguments. i chose 10 male written theses and 15 female written theses in tefl and linguistics. in the firs...

During the offshore drilling operations by drillships or semisubmersible vessels the drillstring in its first drilljoint to the Kelly suffers bending due to float vessel roll or pitch. The cyclic bending stress at any point along the drillstring, is a function of the roll or pitch angle, Kelly position in bushing, and hookload. The cumulative fatigue damage of the drillpipe due to cyclic stress...

abstract pragmatics is the study of communicative action in its sociocultural context. communicative action includes not only using speech acts (such as apologizing, complaining, complimenting, and requesting), but also engaging in different types of discourse and participating in speech events of varying length and complexity. the present study aimed to investigate the assessment of pragm...

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...

this thesis is a study on insurance fraud in iran automobile insurance industry and explores the usage of expert linkage between un-supervised clustering and analytical hierarchy process(ahp), and renders the findings from applying these algorithms for automobile insurance claim fraud detection. the expert linkage determination objective function plan provides us with a way to determine whi...

abstract birbery and corruption and other criminal and as such is one of social phenomena , and i can firmly say that society is protected and safe from harm , this is criminal . eache community is familiar with these crimes and the crime associated ( direct or indirect ) with the political economic , social , and cultural beliefs and religious issues , especially with the community . admitted...