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...

textbooks play a crucial role in language learning classrooms. the problem is that among the great quantity of available textbooks on the market which one is appropriate for a specific classroom and a group of learners. in order to evaluate elt textbooks, theorists and writers have offered different kinds of evaluative frameworks based on a number of principles and criteria. this study evaluate...

this study is an outlook of iranians religious practices and customs in eras such as nasser one. it attempts to answer the main question, "religious practices and ceremonies in the society during naseri ruling" and other subsidiary questions with scientific and historical theories. iran was a traditional and religious community . people abided by their religious practices and duties within reli...

abstract this paper discusses several commonly used models for strategic marketing¹ including market environmental analysis methods (i.e. swot and pest analysis) and strategic marketing tools and techniques (i.e. boston matrix and shell directional policy matrix)and shows how these models may help a firm to achieve its strategic goals. at first, the main reason for doing this research is de...

the application of e-learning systems - as one of the solutions to the issue of anywhere and anytime learning – is increasingly spreading in the area of education. content management - one of the most important parts of any e-learning system- is in the concern of tutors and teachers through which they can obtain means and paths to achieve the goals of the course and learning objectives. e-learn...

ii abstract the legend of human being’s refulgence was distorted completely in the age of modernity. this new age, had some drastic negative effects, besides its positive qualities. one significant negative effect of it was the emergence of neurosis in human beings. aldous huxley’s brave new world was one of the novels of the 02 th century that contained the prophecy of criticizing ...

abstract: mineral scaling in oil and gas production equipment is one of the most important problem that occurs while water injection and it has been recognized to be a major operational problem. the incompatibility between injected and formation waters may result in inorganic scale precipitation in the equipment and reservoir and then reduction of oil production rate and water injection rate. ...

insurers have in the past few decades faced longevity risks - the risk that annuitants survive more than expected - and therefore need a new approach to manage this new risk. in this dissertation we survey methods that hedge longevity risks. these methods use securitization to manage risk, so using modern financial and insurance pricing models, especially wang transform and actuarial concepts, ...

a significant problem in multicarrier communication systems is the necessity to reduce the value of papr (peak-to-average power ratio) of transmitting signal. in this thesis we study the effect of the system parameters such as coding and modulation types on papr and ultimate ber in a mc-cdma system. in this study we consider fading channel as well as the nonlinearity of transmitter’s amplifier ...

since the modern art is chosen to discuss, it means a wide expansion of art courses are affected by modernism that enter to the new realms. because of expanded subject, lack of sources and also the close relationship between painting and animation, this thesis emphasizes on the painting and it is recommended to use the phrase “modern painting” instead of modern art (which is more general). thi...