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...

abstract present research considered to examine and compare shahrray 14 years girls and boys narrative concerning with their responsibilities in this research, statistical society are 14 years girls and boys of shahrry . for performing this research. first, 14 years of 50 boys and 50 girls were selected in accidental method and have filled memati hormaled adolescents responsibility questioner...

the importance of writing as a complex skill in applied linguistics has drawn the attention of many researchers to evaluate textbooks in order to help learners gain self-sufficiency and autonomy in the field of language use and communication. investigations have shown that developments in textbooks evaluation can promote the quality of pedagogies and consequently the learning. this study attemp...

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...

there is less published research about how teachers in efl contexts respond to students who are relatively less mature and less competent l2 writers. while writing researchers have examined various issues concerning peer and teacher response in writing-oriented classes, little research has centered on the effect of collaborative tasks particularly dictogloss on writing skills. output collaborat...

gol-e-gohar iron ore mine of sirjan in southern part of iran is a large open pit that operates below the groundwater table and during mining operation, dewatering is required to prevent operation processes from flooding. current operation is going on by digging wells in or out of the pit and pumping to prevent flooding. as a result of the former dewatering operation a vast deep cone of depressi...

abstract: since sugar consumption is directly related to diabetes and other illnesses such as obesity, the issue that will most heavily dominate the health food market is blood sugar management and low glycemic foods. using calcium chloride and gums such as sodium alginate and low ester pectin as thikener and a high-potency sweetener aspartame we were able to reduce sugar content of sour cherry...

چکیده هدف از پژوهش حاضر بررسی رابطه کیفیت زندگی کاری و رفتار شهروندی سازمانی در مدارس مقطع متوسطه پسرانه شهر تهران از دیدگاه دبیران بود. روش پژوهش حاضر توصیفی و از نوع همبستگی بود. از بین دبیران مدارس شهر تهران تعداد 380 نفر به روش نمونه گیری خوشه ای چند مرحله ای به عنوان نمونه پژوهش انتخاب شدند و با تکمیل پرسشنامه ی کیفیت زندگی کاری والتون(1975) و پرسشنامه ی رفتار شهروندی سازمانی پودساکو...

چکیده رقابت پذیری معیاری کلیدی برای ارزیابی درجه موفقیت کشورها،صنایع و بنگاهها در میدان های رقابتی سیاسی،اقتصادی و نجاری به حساب می آید.بدین معنی که هر کشور،صنعت یا بنگاهی که از توان رقابتی بالایی در بازارهای رقابتی برخوردار باشد،می توان گفت که از رقابت پذیری بالاتری برخوردار می باشد.در تحقیقات مختلف، رقابت پذیری در سه سطح ملی،صنعت و بنگاه مورد توجه قرار گرفته که در این میان سطح بنگاه از د...