it is definitely necessary to understand the concept and behavior of causation of life insurance policies and its determinants for insurance managers, regulators, and customers. for insurance managers, the profitability and liquidity of insurers can be increasingly influenced by the number of causation through costs, adverse selection, and cash surrender values. therefore, causation is a materi...

one of the most commonly used techniques to reduce the corrosion rate of rebar in concrete is addition substances named corrosion inhibitors into the concrete. corrosion inhibitor is chemical compounds that were added to concrete to prevent corrosion of steel in concrete. sodium nitrate is a type of anodic inhibitors that this study investigatesthe effect of this inhibitor on the properties of ...

since the 1960s the age effects on learning both first and second language have been explored by many linguists and applied linguists (e.g lennerberg, 1967; schachter, 1996; long, 1990) and the existence of critical period for language acquisition was found to be a common ground of all these studies. in spite of some common findings, some issues about the impacts of age on acquiring a second or...

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...

nowadays, air pollution is a global problem that has had significant growth by technology development, population growth andindustrial development. industrial development brought natural resources deterioration, more manufacturing products, and more environmental pollutants. if pollutant won’t be controlled, human-being and wildlife will face the critical risks. significant release and critical...

abstract reception environment has considerable effects on accepting a translation. as the expectations of a target culture and its values and needs change throughout history, its criteria for accepting a translation or rejecting it will change accordingly (gentzler, 2001). the expectations of iran, as the reception environment in the present study, have changed after the islamic revolution. i...

the present study is an experimental case study which investigates the impacts, if any, of skopos on syntactic features of the target text. two test groups each consisting of 10 ma students translated a set of sentences selected from advertising texts in the operative and informative mode. the resulting target texts were then statistically analyzed in terms of the number of words, phrases, si...

one of the most important factors in study of project’s , is the study of environmental opportunities factors the permanent study of environmental opportunity factors . the study of permanent environmental changing and knowing golden threats’ cooperate with possible threats and at the result in structure forming and future skeleton of organization has a vital effects . the petrochemical industr...

on- the-job training on of the most effective tools for managers to cope with the changing organizational environment. it grantess suitable services to customers, particularly in public service enterprises. if such training os goal oriented, planned systematically, and tailored to the employees, job content, then not only it could increase employees and organizational performance, but also it c...

this research concentrates on the lithostratigraphy, biostratigraphy, microfacies and sedimentary environment of the asmari and gachsaran formations at southwest firuzabad. the thickness of the studied section in all 608.95 meters that 220.8 meters belong to the asmari formation and 387.95 meters belong to the gachsaran formation (champe and mol members). in the study area, the asmari formation...