نتایج جستجو برای: risks they refer to this situation as advantageous selection theory this theory states that loss ratio of insureds may be lower than the population loss ratio while the conventional theory of adverse selection claims the reverse under the assumptions of theory of advantageous selection

تعداد نتایج: 23987375  

پایان نامه :وزارت علوم، تحقیقات و فناوری - دانشگاه لرستان - دانشکده علوم پایه 1389

abstract part one: the electrode oxidation potentials of a series of eighteen n-hydroxy compounds in aqueous solution were calculated based on a proper thermodynamic cycle. the dft method at the level of b3lyp-6-31g(d,p) was used to calculate the gas-phase free energy differences ,and the polarizable continuum model (pcm) was applied to describe the solvent and its interaction with n-hydroxy ...

پایان نامه :دانشگاه آزاد اسلامی - دانشگاه آزاد اسلامی واحد گرمسار - دانشکده زبانهای خارجی 1389

abstract this study examines the effect of teaching lexical inferencing strategies on developing reading comprehension skill of iranian advanced efl learners. participants were female students of meraj and shokouh institudes of garmsar a quasi-experimental design using two intact advanced classes of efl students at meraj and shokouh institutes. as the first step, a general toefl proficiency te...

پایان نامه :وزارت علوم، تحقیقات و فناوری - دانشگاه صنعتی اصفهان - دانشکده فیزیک 1390

in this thesis, barium ferrite nano particles were prepared by sol-gel method. their structural and magnetic properties of samples have been investigated using thermo gravimetric analysis (tg-dta), x-ray powder diffractometer (xrd), fourier transform infrared (ftir), scanning electron microscopy (sem), field emission scanning electron microscopy (fesem), ac susceptometer, vibrating sample magne...

پایان نامه :وزارت علوم، تحقیقات و فناوری - دانشگاه یزد - دانشکده زبانهای خارجی 1392

abstract since heubners (1985) pioneering study, there have been many studies on (mis) use/ non-use of articles by l2 learners from article-less and article languages. the present study investigated how persian l2 learners of english produce and interpret english definite descriptions and demonstrative descriptions. it was assumed that definite and demonstrative descriptions share the same cen...

پایان نامه :وزارت علوم، تحقیقات و فناوری - دانشگاه سمنان - دانشکده ادبیات و علوم انسانی 1389

?it is of utmost priority for an experienced teacher to train the mind of the students, and enable them to think critically and correctly. the most important question here is that how to develop such a crucial ability? this study examines a new way to the development of critical thinking utilizing critical discourse analytical tools. to attain this goal, two classes of senior english la...

پایان نامه :وزارت علوم، تحقیقات و فناوری - دانشگاه تحصیلات تکمیلی علوم پایه زنجان - دانشکده فیزیک 1392

in the first part of this thesis we explored wetting and its dynamics for small droplets. first, we showed how a simple feature of water droplets on a surface, i.e. laplace pressure, can be exploited to build a micropump. we investigated capillary pumping in microchannels both experimentally and numerically. putting two droplets of different sizes at the in/outlet of a microchannel, will ge...

پایان نامه :وزارت علوم، تحقیقات و فناوری - دانشگاه شهید چمران اهواز - دانشکده ادبیات و علوم انسانی 1389

this study purported to compare and contrast the use of self-mention and evidentials as two mtadiscourse features in opinion columns of persian and english newspapers. the theoretical basis of this study is the idea that metadiscourse features vary across cultural boundaries. for this purpose, 150 persian and 150 english opinion columns were collected based on three factors of topic, audience a...

پایان نامه :0 1374

having conducted the experiment and analysed the data, the researcher computed the groups mean scores and variances for the test relating to the research question. as the final atep, a t-test was conodonted for the hypothesis. as noted earlier, the significance level was determined at .05 and .01 respectively. the observed t-value was higher than the critical t-value at. 5 and .01 levels. conse...

پایان نامه :وزارت علوم، تحقیقات و فناوری - دانشگاه شیراز 1381

‏‎the community dynamics of aquatic coleoptera(insecta)in one of the spring-stream habitats of bammo national park in fars province called cheshmeh-ye-ghanbari is studied as a pilot project and model for acquaintance with and furthering the biodiversity studies on fauna of iran. sixteen species-populations out of nineteen of this community were already identified for their taxonomy and for thei...

پایان نامه :دانشگاه آزاد اسلامی - دانشگاه آزاد اسلامی واحد تهران مرکزی - دانشکده ادبیات و علوم انسانی 1389

abstract abstract of thesis (includes summary, goals, execution methods, and results) story “al-obnosat al-bayza” is one of the short stories from “hanna mineh” collection. this story is a selection of lives of some humans during a voyage together, each of them is a symbol of human nature (love, mind, kindness) and examine social, cultural, and political aspects of governing system, and it...

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