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:‎ literature is said beautiful words of poetry or prose that excites reader’s or listener’s feel. certainly, to ‎be effective, such a text should have certain characteristics. the four elements of the literature: thought, ‎imagination, emotion and style make a text to be literary and effective. emotion and imagination are ‎specific elements of literary texts, while thought and style a...

esl/efl books play a crucial role in shaping language learners worldview of gender roles in society. the present study investigated the status of sexism in two sets of efl textbooks, one developed by non-native iranian authors (ili series) and the other by native authors (top notch series). first, two books from each series was selected randomly. then, a quantitative analysis was carried out wi...

heteropoly acids (hpa) and their salts have advantages as catalysts which make them both economically and environmentally attractive, strong br?nsted acidity, exhibiting fast reversible multi-electron redox transformations under rather mild conditions, very high solubility in polar solvents, fairly high thermal stability in the solid states, and efficient oxidizing ability, so that they are imp...

there are many approaches for solving variety combinatorial optimization problems (np-compelete) that devided to exact solutions and approximate solutions. exact methods can only be used for very small size instances due to their expontional search space. for real-world problems, we have to employ approximate methods such as evolutionary algorithms (eas) that find a near-optimal solution in a r...

learning-oriented assessment seeks to emphasise that a fundamental purpose of assessment should be to promote learning. it mirrors formative assessment and assessment for learning processes. it can be defined as actions undertaken by teachers and / or students, which provide feedback for the improvement of teaching and learning. it also contrasts with equally important measurement-focused appro...

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 ...

this thesis basically deals with the well-known notion of the bear-invariant of groups, which is the generalization of the schur multiplier of groups. in chapter two, section 2.1, we present an explicit formula for the bear-invariant of a direct product of cyclic groups with respect to nc, c>1. also in section 2.2, we caculate the baer-invatiant of a nilpotent product of cyclic groups wuth resp...

throughout this dissertation r is a commutative ring with identity and m is a unitary r-module. in this dissertation we investigate submodules of multiplication , prufer and dedekind modules. we also stat the equivalent conditions for which is ring , wher l is a submodule of afaithful multiplication prufer module. we introduce the concept of integrally closed modules and show that faithful mu...

wireless sensor networks (wsns) are one of the most interesting consequences of innovations in different areas of technology including wireless and mobile communications, networking, and sensor design. these networks are considered as a class of wireless networks which are constructed by a set of sensors. a large number of applications have been proposed for wsns. besides having numerous applic...