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...

a phase-locked loop (pll) based frequency synthesizer is an important circuit that is used in many applications, especially in communication systems such as ethernet receivers, disk drive read/write channels, digital mobile receivers, high-speed memory interfaces, system clock recovery and wireless communication system. other than requiring good signal purity such as low phase noise and low spu...

چکیده روش های متعددی برای برآورد رواناب حاصل از بارش در حوضه های آبریز وجود دارد. یکی از این روش ها استفاده از مدل های هیدرولوژیکی است. با استفاده از مدل های هیدرولوژیکی و شبیه سازی فرآیندهای هیدرولوژیکی می توان با صرف کمترین زمان و هزینه، رواناب و مولفه های دیگر چرخ? هیدرولوژیکی را برآورد کرد. از آنجا که در حوضه های آبریز اندازه گیری تمام کمیت های مورد نیاز برای تحلیل رواناب ممکن نیست، انتخاب...

abstract: in the paper of black and scholes (1973) a closed form solution for the price of a european option is derived . as extension to the black and scholes model with constant volatility, option pricing model with time varying volatility have been suggested within the frame work of generalized autoregressive conditional heteroskedasticity (garch) . these processes can explain a number of em...

abstract i the purpose of this study was to launch a thorough investigation concerning the possibility of differing orientations to the writing proficiency construct by native and non-native english speaking teacher raters. it mainly revolved around the international english language testing system (ielts) that is widely administered and employed as a measure of general proficiency in englis...

introduction acetic acid bacteria are large group of obligate aerobic gram negative bacteria with the ability to oxidize ethanol to acetic acid (1). they are widely distributed in natural habitats and classified in family acetobacteraceae. members of this family are useful in industrial production of vinegar(2). acetic acid bacteria (aab) can use substrates as glucose, ethanol, lactate or glyc...

the purpose of this study was the relationship between problem – solvi ability with fdi cognitive style of students.the research method was correlation method. for data analysis pearson test was used. statistical society in this research was all the students of alligoodarz city in 1391-92 year.to sampling of statiscal population was used sampling multi-stage random the size of sample selected 2...

abstract this research has been carried out with the purpose of investigating the conditions and related elements of the employment of the educational sciences graduates of hamedan province universities in 1382-1387 academic years. it has been a descriptive research of a correlation kind, and the population number has been 1180 grduates of payam- e noor universites in asad – abaad, kaboudaraha...

data envelopment analysis (dea) is a powerful tool for measuring relative efficiency of organizational units referred to as decision making units (dmus). in most cases dmus have network structures with internal linking activities. traditional dea models, however, consider dmus as black boxes with no regard to their linking activities and therefore do not provide decision makers with the reasons...

in the present work, a simple and sensitive method was developed for determination of morphine and heroin using gold nanoparticles as resonance rayleigh scattering (rrs) and colorimetric technique’s probe. synthesized gold nanoparticles by sodium citrate reduction method have a negative charge layer on their surfaces because of self-assembled citrate anions on their surface. binding of morphin...