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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...
چکیده: پژوهش حاضر به بررسی تطبیقی اعتماد اجتماعی در بین دبیران زن و مرد مقطع راهنمایی شهر ایلام می پردازد. امروزه در جوامع شاهد گسترش ارتباطات هستیم و با توجه به این که دامنه کنش های اجتماعی از حد روابط با آشنایان و دوستان فراتر رفته و به تعامل با کنشگران غربیه و نا آشنا گسترش یافته است، لزوم وجود اعتماد، بیش از پیش احساس می شود. اما با توجه به نقش دبیران در نهادهای آموزشی، در انتقال ارزش ها و...
The Council of Australian Directors of Academic Development (CADAD) welcomes the opportunity to make this submission in response to the discussion paper, Development of Performance Measurement Instruments in Higher Education. While this is a response to one of the three papers released concurrently by DEEWR, it may be read alongside the discussion papers, Assessment of Generic Skills and Review...
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 ...
Electricity transmission has emerged as critical for successfully liberalising power markets. This paper surveys the issues currently under discussion and provides a framework for the remaining papers in this issue. We conclude that signalling the efficient location of generation investment might require even a competitive LMP system to be complemented with deep connection charges. Although a E...
The paper is part of a series of background papers which seeks to identify and analyze key constraints in higher education, skills development, and technology absorption in accelerating labor absorption and shared growth in South Africa. The background papers form part of the ‘Closing the Skills and Technology Gaps in South Africa’ project which was financed by the Australian Agency for Interna...
in order to investigate the microbiological safety of sanitary tissues made of recycled scrap papers in iran, random samples were taken for one year with the cooperation of the iranian standard and industrial research institute (karaj unit), of 44 types of sanitary tissues, two samples of each type including tissues, toilet papers and dippers as well as a control sample and their probable conta...
If you want to quote this document, please quote the latest version with its date and when it was retrieved, along with a link to the current document. (The current link, which is not expected to change, is www.math.umb.edu/ sp/papers/gracom.pdf.) That way, if any errors turn up, I will have the chance to correct them. And of course, I shall be grateful for any suggestions or notification of er...
On 27–28 May, the Reserve Bank and Australian Treasury hosted a G-20 conference on ‘Globalisation, Living Standards and Inequality: Recent Progress and Continuing Challenges’. The papers presented at the conference are available on the Bank’s website. The conference volume, which includes revised papers and discussion, was released on 16 September. The following is the introductory chapter of t...
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