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...

the changes in todays world organization, to the extent that instability can be characterized with the most stable organizations called this afternoon. if you ever change management component, an additional value to the organization was considered, today, these elements become the foundation the organization is survival. the definition of the entrepreneur to identify opportunities to exploit a...

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...

murder of wife during adultery: if a man sees his wifes adultery with another man, he can kill both of them. and he is not guilty in this murder. this sentence is the opinion of imami jurists and numerous comments on this issue are the main reasons for the sentence. that is the opinion of the sunni jurists too. murder of wife and the stranger man are permitted. but in contrast to these views, ...

in this study, the effects of oleothermal modification on physical and mechanical peroperties of fir wood (abeis sp.) blocks were examined. at first, some blocks of fir wood with 5 × 20 × 120 cm dimensions were prepared. the blocks were treated in soybean oil. the effects of 3 factors such as treatments temperature (180and 200 °c), holding time (12 and 15 h) and initial moisture content of wood...

target tracking is the tracking of an object in an image sequence. target tracking in image sequence consists of two different parts: 1- moving target detection 2- tracking of moving target. in some of the tracking algorithms these two parts are combined as a single algorithm. the main goal in this thesis is to provide a new framework for effective tracking of different kinds of moving target...

چکیده اهمیت اشیاء در نگاه انسان از آغاز پیدایش در زندگی جریان داشته و تاکنون نیز ادامه دارد. ساخت اشیاء از انواع کاربردی و آئینی آغاز و تا انواع الکترونیکی آن به همزیستی مسالمت آمیزی با انسان منتهی گشته است. حال اینکه این همزیستی در هر دوره ای از تاریخ چگونه خودنمایی می کند از اهمیت بسیاری برخوردار است.این رساله به بررسی موقعیت شی از جنبه های زیبایی شناسی، هویت مداری، نمادگرایی، جامعه شناسی ...

چکیده: در این تحقیق تأثیر ملاس که یکی از محصولات جانبی صنایع قند می باشد به عنوان یک افزودنی مقاومت خشک جدید در بهبود پالایش پذیری و ویژگی های فیزیکی و مکانیکی مقوای کنگره ای کهنه (occ) مورد بررسی قرار گرفته شد. بدین منظور پنج سطح ملاس( 0،5، 10، 15 و 18%) و سه سطح درجه روانی(420،400و320 میلی لیتر)به عنوان فاکتورهای متغیر در نظر گرفته شد و برای هر تیمار کاغذهای دست ساز با مساحت 2cm200 و وزن پای...

type text or a website address or translate a document. abstract liquidity is considered the most important aspect of the development of stock markets. the main objective of this study was to evaluate the effect of the quality of financial information provided to replace its financial statements nmvdh and shrkt hayy that the liquidity of the shares on the tehran stock exchange is between the ...