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...

any change in the refractive index of a laser active medium can lead to serious degradation of beam quality, laser beam modes, laser performance and variation in the intensity distribution. alteration in the refractive index of laser active medium is especially notable in high power lasers. it is clear that in the laser beam production, the pumping agent induces a great amount of heat which...

this study gives a rough notional method to find their textual placing and valuating in the text, narrows the board of vision to mystic items and finally lists the strategies used by the translators of mathnawi to present solutions for preserving the additional values. at last, as the sum-up, strategies in comparison would be presented. it should be noted that by extending the translations from...

employees always concern about losing their job , or in other word , losing their income resources. for this purpose, every government requires strong system for covering these concerns. the unemployment insurance (ui) program’s can be used for achieving this goal. in this thesis, we price ui based on the insurance history of employee and the duration of being unemployed. we use the weibull dis...

the major purpose of this study was to develop the translation teacher competency test (ttct) and examine its construct and predictive validity. the present study was conducted in two phases: a qualitative phase as well as a quantitative phase. in the first phase of the study, the author attempted to find out the major areas of competency required for an academic translation teacher. the second...

abstract in aggregate, active forms of reactive silica with mineral names are sometimes associated with sand and gravel in concrete mixture. alkali hydroxides originated from alkalis in the cement or other resources form an alkaline silica gel with this reactive silica which becomes swallowed and expanded during time causing damage to concrete. there have been growing researches on alkaline r...

reserches show that relationship between human and residential places is based upo both emotional and identity structures. in other words, habitat place is not only the creator of a part of humanistic identity but also form a kind of sentimental and emotional bond that may result in tendency to maintain closeness to a specific place. therefor, formaton of emotional and identity relationship wit...

this study focuses on jane austens representation of her heroines in two of her novels: pride and prejudice, and mansfield park. i have concentrated only on a single idea: how jane austen takes her heroines through a course of psychogical reformation to which almost everything else in her novel is subsidiary. although i have discussed only pride and prejudice, we can trace austens carefully pla...

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...