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...

ii abstract the legend of human being’s refulgence was distorted completely in the age of modernity. this new age, had some drastic negative effects, besides its positive qualities. one significant negative effect of it was the emergence of neurosis in human beings. aldous huxley’s brave new world was one of the novels of the 02 th century that contained the prophecy of criticizing ...

postcolonial feminism, also dubbed as third world feminism, is an innovative approach, demonstrating the way women of colonized countries suffer from both native patriarchies and imperial ideology. also due to this double-colonization, postcolonial feminists contend that third world women are subjected to both colonial domination of empire and male domination of patriarchy. while western femini...

the rationale behind the present study is that particular learning strategies produce more effective results when applied together. the present study tried to investigate the efficiency of the semantic-context strategy alone with a technique called, keyword method. to clarify the point, the current study seeked to find answer to the following question: are the keyword and semantic-context metho...

in solvo-hydrothermal method, xrd pattern was indicated presence of intermediate of ammonium octatmolybdate and ammonium tetramolybdate, which were changed to stble phase of ?-moo3 annealing. sem images were indicated nanoparticle with semispheical morphology and tem image was demonstrated nanoparticles with a diameter size of 25nm. also in impregnate method. the xrd pattern was shown high crys...

abstract recent studies suggest that prelistening activities play an important role in the development of listening comprehension (e.g. long 1990;chiang and dunkel 1992; schmidt-rinehart 1994; jensen and hansen 1995; robinson et al., 1995; buck, 1995; foster and skehan,1996; teng 1996; robinson, 2001; chang and read 2006). in line with previous studies and to shed light on a new aspect of sche...

one of the most important goals for increasing recognition and treatment revenue is transmitting vital data to medical care team, more quickly. nowadays, use of new technologies for transmitting data will deploy more and more daily. in this article, for transmitting electrocardiogram, first we code the signal into a suite of codes, then we will use bluetooth technology to transmit data from off...

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. ...

abstract nowadays, industries cannot play a crucial role in national and international competitions. the tourism industry is no exception. tourism industry development as the most important economic sector and income generation is one of the key challenges of economic development in the world. therefore, countries were successful that take advantage of the capabilities of tourism sector using ...

peace and national security protection and ironic solving of international conflicts become the preliminary foundation of the united nations charter and had been considered as the main responsibilities of the security council, after world war ii and the establishment of united nations organization. therefore, the security council enables to analyze every kind of conflicts and challenges which ...