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...

the subjects of the study are only the tefl teachers and students at gilan university. to obtain the desired data, a questionnaire which was based on the theories and disecussions gathered, was used as the main data gathering instrument. to determine the degree of relationship between variables, covariance and pearson product moment correlation coefficient were the formulas applied. the data we...

this thesis is an evaluation of poetry of sylvia plath (1932- 1963) and forough farrokhzad (1935-1967) using feminist approach and finds the positive concepts of hope, reason and strength through feminine images in their poetry. plath and farrokhzad are from different cultures and different countries but they share the same concepts and themes in their poetry. by applying feminist theory to the...

determination of uranium in natural water and complex solutions using ion exchange chromatography: a combined procedure using ion exchange chromatography and uv-vis spectrophotometry techniques has been developed to measure uranum in natural water and complex solutions. after conditicing , one hundred milli liters of sample solutions have been passed through an ion exchange column,pachked with ...

hedging is a multi-purpose rhetorical strategy which is usually used in scientific arguments to secure ratification of claims, reduce the risk of negation, avoid conflict, manage disagreement and leave room for the audience to assess presented information. hedges are frequently used in research articles to mitigate the findings of research endeavors. the present research aims to investigate the...

for several years, researchers in familiarity of efl teachers with post-method and its role in second and foreign language learners’ productions have pointed out that the opportunity to plan for a task generally develops language learners’ development (ellis, 2005). it is important to mention that the critical varies in language teaching was shown is the disappearances of the concept of method ...

chapter two presents three m-admissible function algebras ab, bd, and sl, to construct the universal abelian, band, and semilattice compactifications, respectively. the main results are (11.3), (12.3), and (12.4). some inclusion relationships between these function algebras and the other well-known ones, presented in section 8, are made via the devico of compactifications. chpter three is about...

tourism , today as one of the ways to make money, create jobs , and social and political interactions is considered. this paper aims to examine the strengths and weaknesses of tourism development in mahmoud abad ( mazandaran ). the research method in this study is " descriptive - analytical " and to collection of data used field methods such as questionnaires and documentation - library. the sa...