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...

in recent years many researchers have been focused on interaction of small molecules with dna. dna is generally the primary intracellular of anticancer drugs, so the interaction between small molecules and dna can cause dna damage in cancer cells, blocking the division of cancer cells and resulting in cell death. the flavonoids are a large group of polyphenolic natural products that are widely ...

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) ...

the neogene intrusion masses in the noudeh-enghelab area located to the north of sabzevar ophiolite have cut the late cretaceous ophiolitic rocks, sedimentary- volcanic and eocene volcanic rocks and have been covered by pliocene and quaternary deposits. the margin is of lava with basalt, phyric andesite-basalt and andesite and the central parts (dome shaped) composed of phyric andesite-trachyan...

in new management approaches, in the organizations with inflexible structure, existing of red tapes and interruptions caused by limitations and also non-compliance with environmental changes, create demotivation among staff. with regard to the influence of job motivational potential and its relationship to the type of organizational structure( enabling and dissuasive), the goal of this research...

we have two part in this thesis, at first: the interaction of native calf thymus dna (ct-dna) with two anthraquinones including quinizarin (1,4- dihydroxy anthraquinone) and danthron (1,8- dihydroxy anthraquinone) in a mixture of 0.04 m brittone-robinson buffer and 50% of ethanol were studied at physiological ph by uv-vis absorption, florescence, circular dichroism spectroscopic methods, viscos...

this study was conducted to investigate the effect of favorite-text on iranian intermediate efl learners’ vocabulary development. sixty learners from nour-al-mahdi english institute participated in the present study. having been homogenized by oxford placement test (opt), they were randomly assigned into two groups of 30, control and experimental. then both groups sat for a pre-test which was a...

today, information technology and computers are indispensable tools of any profession and translation technologies have become an indispensable part of translator’s workstation. with the increasing demands for high productivity and speed as well as consistency and with the rise of new demands for translation and localization, it is necessary for translators to be familiar with market demands an...

abstract: one of the most visited & important spaces in different countries by tourist are urban areas. the old tehran which major part is located in district 12 is historical showcase of the capital, but, its hiidden cultural attraction is not used as it should be. this thesis occasionally engage in studying the efficacy of correct installation of travel guide boards in welfare & easily acc...

the present study set out (a) to examine the categories of pedagogical knowledge related to the act of teaching of novice and experienced teachers as gleaned from their verbal report of what they were thinking about while teaching and (b) to compare the categories of pedagogical knowledge of novice and experienced teachers. the aim of comparing these two groups of teachers was to see whether di...