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...

عنوان:بازتاب دفاع مقدس در شعر سه بانوی شاعر(طاهره صفارزاده، سپیده کاشانی، سیمین دخت وحیدی) نام ونام خانوادگی:شیرین علیپور پیروزیان رشته تحصیلی:زبان وادبیات فارسی نام استاد راهنما :دکتر مهین پناهی نام استاد مشاور : دکتر مهدی نیک منش زمان دفاع:14/ 7/1388 چکیده موضوع این پژوهش چگونگی بازتاب دفاع مقدس در اشعار سه بانوی شاعر " طاهره صفّارزاده" ، "سپیده کاشانی" و" سیمین دخت وحیدی " است ....

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...

in the first part of this thesis we explored wetting and its dynamics for small droplets. first, we showed how a simple feature of water droplets on a surface, i.e. laplace pressure, can be exploited to build a micropump. we investigated capillary pumping in microchannels both experimentally and numerically. putting two droplets of different sizes at the in/outlet of a microchannel, will ge...

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...

during 2010-2011 a faunistic survey was carried out for collection and identification of edaphic mesostigmatic mites (acari: mesostigmata) in jiroft and suburb. mites were extracted from soil samples by berlese funnel. the mites were cleared in nesbit fluid and were mounted in hoyer medium on microscopic slides. in this study 43 spices from 26 genera and 16 families were collected and identifie...

one very decisive factor in students’ academic destiny is the result they get at final term examinations. because of its importance, both students and teachers are curiously anxious about them. as normally it is the case, these final term tests are prepared hurriedly in short time by teachers which result in students’ dissatisfaction, complaining on how the test was different from their expecta...

nitric oxide (no) is a small molecule synthesized by most of mammalian cells with diverse biological activities including vasodilatation, host defense and wound healing. impaired wound healing is a common occurrence among diabetics and patients receiving glucocorticoid therapy. on the other hand the application of laser in biomedical area have been increased. thus, the current studies were desi...

در حالت کلی معادلات دیفرانسیل با مقادیر اولیه را نمی توان دیفرانسیل می توان جواب طیف وسیعی از مسائل کاربردی را مشخص نمود با روش های تئوری حل نمود، لذا با حل عددی معادلات یک حالت خاص از مسأله مقدار اولیه، مسأله ای به فرم: y^=f(x,y) , y(a)=?, y^ (a)=?^^ است که مشتق اول در آن ظاهر نمی شود. این معادلات طیف وسیعی از پدیده های اطراف ما را شامل می شود، مثلاً معادلاتی که دارای جواب نوسانی هستند از ...

بررسی رابطه بین یادگیری سازمانی و توانمندسازی مدیران و معاونین مدارس شهرستان میانه دکتر محمد اورکی1، دکتر هاشم نعمتی، گلسیما عزیزی* استادیار گروه علوم تربیتی ، دانشگاه پیام نور تهران جنوب استادیار گروه علوم تربیتی. ، دانشگاه پیام نور مشهد دانشجوی کارشناسی ارشد مدیریت آموزشی ، دانشگاه پیام نور تهران جنوب [email protected] میانه- دانشگاه پیام نور میانه مدیر آموزشی، 2226062 – 0423، ت...