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...

a professional is someone whose work involves performing a certain function with some degree of expertise. but a narrower definition limits the term to apply to people such as teachers and doctors, whose expertise involves not only skill and knowledge but also the exercise of highly sophisticated judgment, and whose accreditation necessitates extensive study, often university-based as well as p...

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...

worship is submission and humitility with believe to divinity in fornt of god. in jewish religion ,worship is submission of the god inall the ordes and devosion tohim .worshio is not only so widely in islam and jew and does not include pray and fast and etc but also is every action that human does with divine intention and to content him. worship has huge and excellent rank in qoran and old te...

the rise and stublishment of safavid dynasty was depend on triangle of tasavof, tashayo and royalty, kings legitimized their power upon these. therefore for the understanding the functions of that period we must explore the role of this elements. although application and emphsise upon dignities such as; complete mentor (morshede kamel), deputy of absent imam (nayebe imame ghayeb), and god’s sha...

wireless sensor networks (wsns) are one of the most interesting consequences of innovations in different areas of technology including wireless and mobile communications, networking, and sensor design. these networks are considered as a class of wireless networks which are constructed by a set of sensors. a large number of applications have been proposed for wsns. besides having numerous applic...

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...

today, persian poetry is of great importance to many scholars around the world. the interest and attention of various cultures toward such a fine literature has given quite a good motivation for a comparative study. the major concern of the study is to investigate how nature is depicted through the works of the great english poet, william wordsworth (1770-1850) and the outstanding contemporary ...

this research was conducted in two protect and destroy region in the middle zagros, in illam province. in order to identification of ecological species group and evaluate density of regeneration, effect of many factors such as protection, vegetation, physiographic factors, physical and chemical properties of soil in study locations were studied. to achieve these purpose number of 54 plots using...

in this study, the effects of oleothermal modification on physical and mechanical peroperties of fir wood (abeis sp.) blocks were examined. at first, some blocks of fir wood with 5 × 20 × 120 cm dimensions were prepared. the blocks were treated in soybean oil. the effects of 3 factors such as treatments temperature (180and 200 °c), holding time (12 and 15 h) and initial moisture content of wood...