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...

as some definitions show, idioms are expressions whose meanings cannot be obtained from individual words. in every society, people use their own conceptions and feelings through different idioms and expressions. so every culture and society has their own idioms. some scholars proposed methods for translating idioms but baker’s strategies are very important and constructive. this research tried ...

1- in a search directed to the reaction of compound)23(the cycloaddition reaction of 1,3- diphenylisobenzofurane)14(with p-benzoquinone)19(,followed by addition of cyclopentadiene was carried out.the specific spacial stracture of its ir,nmr,mass spectra. 2- in another attempt the kinetic stability and behavior of compounds)20(and)23(was studied.the main subject of this study was the highly reve...

on- the-job training on of the most effective tools for managers to cope with the changing organizational environment. it grantess suitable services to customers, particularly in public service enterprises. if such training os goal oriented, planned systematically, and tailored to the employees, job content, then not only it could increase employees and organizational performance, but also it c...

in this study reference as one of the five cohesive devices in the achievement of textuality in english and persian narrative/descripitive written texts is focused on and analysed . to do so , the theoretical framework elaborated by halliday and hasan (1976) and its version adapted by the writer to match the sub-types of reference in farsi are applied to the analysis of reference in english and...

abstract following innovations in the field of elt, a new topic which has recently attracted a lot of attention is metaphor analysis. although this area of research is still in its infancy in elt, it seems that the idea can shed more light on the puzzle of english language learning and teaching. therefore, the major aim of this study is to analyze language learning and teaching in formal a...

since esp received universal attention to smooth the path for academic studies and productions, a great deal of research and studies have been directed towards this area. swales’ (1990) model of ra introduction move analysis has served a pioneering role of guiding many relevant studies and has proven to be productive in terms of helpful guidelines that are the outcome of voluminous productions ...

although there are studies on pragmatic assessment, to date, literature has been almost silent about native and non-native english raters’ criteria for the assessment of efl learners’ pragmatic performance. focusing on this topic, this study pursued four purposes. the first one was to find criteria for rating the speech acts of apology and refusal in l2 by native and non-native english teachers...

current studies in second language (l2) learning have revealed the positive role of corrective feedback (cf) in both oral and written forms in different language features. the present study was an attempt to investigate the effect of both direct and indirect written corrective feedback (wcf) on the use of grammatical collocations in l2 writing. the study also sought to examine whether the effec...

this thesis examines the significances and implications of inflicted physical pain in waiting for the barbarians (1980) by john maxwell coetzee (1940 - ). the researcher tries to show how body becomes a site for exercising violence. in this way, the government’s representatives turn bodies of the barbarians into blank pages through torturing in order to create the truth of the empire. in this p...