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: 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...

abstract nowadays, the science of decision making has been paid to more attention due to the complexity of the problems of suppliers selection. as known, one of the efficient tools in economic and human resources development is the extension of communication networks in developing countries. so, the proper selection of suppliers of tc equipments is of concern very much. in this study, a ...

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...

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...

تهیه ترکیب فسفرتری کلرید بااستفاده از واکنش فسفر سفید(زرد) و گاز کلر در فاز محلول و درمقیاس آزمایشگاهی موردمطالعه قرارگرفت .پس از انتخاب مناسبتر روش و انتخاب بهترین شرایط کوشش درجهت طراحی واحد نیمه صنعتی انجام شد و توانستیم دراین راستا به تولید 10 کیلوگرم درساعت باخلوص 99/5 درصد برسیم . abstract the preparation of phosphorous trichloride by the reaction of white phosphorous and chlorine gas in ...

This paper presents a dynamic approach to Skin Detection- to separate the skin pixels from non-skin pixels- in colored images. The static methods which use a fixed skin color model, will fail if there are illumination variations or different skin colors in an image. Because of contextual information the proposed algorithm will be less sensitive to the uncontrolled illumination conditions. In ad...

the purpose of this study was to investigate how english language teachers in mashhad who teach students in the pre-university cycle perceived the impact of the efltee on their teaching. the target population was nearly all pre-university english language teachers in seven districts of mashhad in the scholastic year 2008/2009. a survey questionnaire which consisted of (36) likert type items, wa...

the present study has tried to accomplish an analysis of margaret atwood’s novels oryx and crake, and the year of the flood in the light of posthuman and cyborg theories. considering posthumanism as a critical reading of some notions of humanism focus of which in this thesis has been identity, new definitions for humanity and human identity are formed. haraway’s cyborg, as one possible new figu...