با توجه به اهمیت تالاب شادگان در محیط زیست ایران و افزایش آلودگی های منطقه، در پژوهش حاضر غلظت کل و منشایابی فلزات سنگین در رسوب تالاب شادگان مورد بررسی قرار گرفت. بدین منظور نمونه برداری از رسوب سطحی 10 ایستگاه با 3 تکرار صورت گرفت. جهت تعیین غلظت کل فلزات رسوب از روش (direct aqua regia)و برای آنالیز غلظت های فلزات در بخش های ژئوشیمیایی رسوب از روش استخراج پی در پی استفاده شد. آماده سازی نمونه...

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, ...

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...

in the present study, the effect of e-64 at different concentrations (0.5, 1, 5 and 10 µm) added to (1) the ivm medium on oocyte nuclear maturation and developmental competence of ovine oocytes, and (2) to the ivc medium on embryonic development of ovine embryos were investigated.

these days, all department stores make an effort to provide their clients with valuable products in order to project the best image for them. as a result, clients’ comprehension risk will decrease and they will be more willing to repurchase. having a good image is really important for the department stores because it makes an impression on clients’ comprehension of both quality and risk. consid...

Geographical information systems (GIS)-based soil erosion risk assessment models continue to play an important role in soil conservation planning. In the present study, soil erosion risk of Tange Bostanak watershed was determined within GIS-based Coordination of Information on the Environment (CORINE) soil erosion risk assessment method. The initially soil texture, soil depth and surface stonin...

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...