Abstract

               Documentary credits are considered successful means to reduce imports, especially unnecessary imports that lead to the outflow of foreign currency from the country. However, due to the backwardness of the banking methods, the reintroduction of documentary credits after 2003 did not effectively contribute to reducing import rates. This has had a negative impact on the Iraqi economy and made it vulnerable to external markets. Documentary credits are also considered the best way to ensure payment in international trade, providing independent credit support and sufficient security for exporters and importers against commerci

The research work covers a study of the possibility of producing porous ceramic bodies
as a thermal insulators by adding fired Dechla kaolinite (grog)to the same non burned
kaolinite.
Different weight percentage ranged between (0,15,25,35and40)from grog and sawdust
passed through mesh 50 to Deuchla-clay kaolinit.Cylindrical shape samples (30mm diameter
and 30mm height) were prepared by the semi-dry methed,moulding pressure was 50 N/mm
2
.
After drying at 110
o
c,the samples were burnet in the furnace at temperatures
900,950,1000,1050,and 1100
o
c. The sawdust burnt out and leaves air spaces which contribute
to the high thermal insulation value.
The fired samples were investigated to de

          Sport is generally no longer merely a game of entertainment, but it is a work of the player for the sports club contracted by him. The player is no longer regarded as a means of entertainment and physical development, but is seen as an economic Which is to gain a return for the effort, and because of the spread of the phenomenon of professionalism in the field of sports, emerged sporting contracts coupled with penal conditions as a means to regulate the relationship between the player and the sports club is the contract transfer professional player and his loan, and his professional contract, which concerns us in this regard is to address the J Loyalty) contained in the contract betw

The nature of interstellar matter has been explained by presenting a model consists of organic and inorganic materials mixture in the wavelength range (9-12) μm.
Laboratory samples of different concentrations of these materials were prepared and examined by using FTIR spectrometer device. Results of spectra for these samples are compared with observation of Trapezium nebula in the same wavelengths range. The best mixture model found to fit with observation is a sample consists of:11.96 % (Diatom silica (98% pure silica)) + 14.35 % (Carbon (C)) +27.63 % (Tryptophan amino acid) + 46.06 % (Tyrosine amino acid), this are done using convolution technique. Interstellar matter could be explained biologically, as the contribution of organic

One of the most frightening to children ages pre-school entry , Are those concerns about natural phenomena such as (The darkness, the sound of thunder, lightning and light, and rainfall, and storms) These natural phenomena are not familiar to the child , It may have a surprise when he/ she sees , And others intimidated , The affects of panic and fears that may lead him some psychological injury symptoms.

The fear of the dark, of the most common concerns associated with the child in his daily life , As the children's fear of the dark is reasonably fear that makes him a natural to live in the unknown  , We can not identify what around him and is afraid of something collision,  Or injury from somet