it is definitely necessary to understand the concept and behavior of causation of life insurance policies and its determinants for insurance managers, regulators, and customers. for insurance managers, the profitability and liquidity of insurers can be increasingly influenced by the number of causation through costs, adverse selection, and cash surrender values. therefore, causation is a materi...

abstract: mineral scaling in oil and gas production equipment is one of the most important problem that occurs while water injection and it has been recognized to be a major operational problem. the incompatibility between injected and formation waters may result in inorganic scale precipitation in the equipment and reservoir and then reduction of oil production rate and water injection rate. ...

This investigation was conducted to compare the photosynthetic indices in ironwood trees infected by Viscum album L. and healthy trees located both in stand and out of stand in plain forest of Tamishan, Nour city. In each position, five healthy and five infected trees were selected and photosynthetic parameters, stomatal conductance, transpiration and internal CO2 were examined. Results showed ...

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...

due to lack of knowledge management system in the organization of technical and vocational university of iran (tvuni) and losing good employees because of retirement and substitution causes huge amount of costs to replace the similar expertise. there is no any suitable system in the tvuni to store, to document, and to distribute knowledge. based on the university’s features such as it has diffe...

a novel ultra wideband microstrip bandpass filter using radial stub loaded resonator and interdigital coupled lines is presented in this paper. the radial stub loaded resonator and decagonal patch form a resonator named m to create tuneable multiple notches in the passband for suppression wlan interference. to realize sharp roll-off, two adjustable transmission nulls are located at the lower an...