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 the image of a permanent skeletal space of cities affected by some forces or mechanisms is put in time with social-economic development and while imposes a new face and perspective to physical anatomy of cities, and prepares field to changes in content and social- economic structures of cities too. simultaneously with quitting villages in order to settle in cities by villagers, the phen...

like any other learning activity, translation is a problem solving activity which involves executing parallel cognitive processes. the ability to think about these higher processes, plan, organize, monitor and evaluate the most influential executive cognitive processes is what flavell (1975) called “metacognition” which encompasses raising awareness of mental processes as well as using effectiv...

1.1 introduction “i see translation as the attempt to produce a text so transparent that it does not seem to be translated. a good translation is like a pane of glass. you only notice that it’s there when there are little imperfections- scratches, bubbles. ideally, there shouldn’t be any. it should never call attention to itself.” “norman shapiro” (venuti, 1995:1) edward fitzgerald is the br...

‎in this article‎, ‎we have focused one some basic and productive information about the properties of spectrum and singular values related to compact operators which are ideals in a c*-algebra of bounded operators‎. ‎considering a two-sided connection between the family of symmetric gauge functions on sequence of singular values of compact operators and symmetric norms on finite dimensional ope...

abstract: the potato tuberworm, phthorimaea operculella (zeller), is an important insect pest of potato (solanum tuberosum l.) in the storage and field in most parts of the world especially in tropical and subtropical regions due to its close relationship with the host, high reproductive potential and high economic losses. information on host preference, life table parameters and digestive en...

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 ...

gol-e-gohar iron ore mine of sirjan in southern part of iran is a large open pit that operates below the groundwater table and during mining operation, dewatering is required to prevent operation processes from flooding. current operation is going on by digging wells in or out of the pit and pumping to prevent flooding. as a result of the former dewatering operation a vast deep cone of depressi...

abstract nowadays, industries cannot play a crucial role in national and international competitions. the tourism industry is no exception. tourism industry development as the most important economic sector and income generation is one of the key challenges of economic development in the world. therefore, countries were successful that take advantage of the capabilities of tourism sector using ...

recent years have witnessed an increased attention to form focused instruction and consciousness raising activities (ellis, 2002; doughty & williams, 1998) on the one hand and extensive and meaningful exposure to the target language (klapper & rees, 2003; day & bamford, 1998) on the other. due to significance attributed to above mentioned issues by scholars, this study attempted to bridge them ...