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 previous studies on willingness to communicate (wtc) have shown the influence of many individual or situational factors on students’ tendency to engage in classroom communication, in which wtc has been viewed either at the trait-level or situational level. however, due to the complexity of the notion of willingness to communicate, the present study suggests that these two strands are ...

Objective: In order to identify users’ visual attention to left- and right-aligned menus on web pages, fixation count index (FCI) was assessed for both left and right menus using eye tracker to determine which menu is preferred by users in terms of visual attention. Methodology: In total, 116 pages with their menus aligned to left or right, classified into three groups, namely Persian pages, En...

section{introduction} the concept of {sl cartan geometry} appeared at the beginning of the twentieth century, when {e}lie cartan was working on the so-called {sl equivalence problem}, the aim of which is to determine whether two given geometric structures can be mapped bijectively onto each other by some diffeomorphism. this problem can be considered in many different contexts, such as ...

the changes in todays world organization, to the extent that instability can be characterized with the most stable organizations called this afternoon. if you ever change management component, an additional value to the organization was considered, today, these elements become the foundation the organization is survival. the definition of the entrepreneur to identify opportunities to exploit a...