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 purpose of this study is to investigate the relationships between teachers’ immediacy behaviors and iranian students’ willingness to talk in english classes. analysis of the results from willingness to talk scale represents a relatively high level of willingness to talk in english classrooms among iranian language learners. the total mean score of students’ willingness to talk was 66.3 ou...

apart from other aspects, desert is a natural environment and is one of the appealing terrestrial elements. putting its symbolic and fictional senses aside, the term “desert” bears mystic sense more than material sense. in addition to the worlds materialistic experiences, desert has attracted the attention of writers because it creates a kind of inner experience, which returns the individual in...

1. to determine whether difference in birth body mass influenced growth performance in pipistrellus kuhlii we studied a total of 12 captive-born neonates. bats were assigned to two body mass groups: light birth body mass (lbw: 0.89 ± 0.05, n=8) and heavy birth body mass (hbw: 1.35 ± 0.08, n=4). heavier body mass at birth was associated with rapid postnatal growth (body mass and forearm length) ...

the present study aimed at investigating the relationship between iranian efl teachers’ classroom management orientations and their teaching styles. additionally, the difference between male and female teachers’ teaching styles and classroom management orientations and their relationship with experience and age were explored. three hundred efl teachers filled in attitudes and beliefs on classro...

in this thesis our aim is to construct vector field in r3 for which the corresponding one-dimensional maps have certain discontinuities. two kinds of vector fields are considered, the first the lorenz vector field, and the second originally introced here. the latter have chaotic behavior and motivate a class of one-parameter families of maps which have positive lyapunov exponents for an open in...

in this project, 4,4?-methylenebis(3-chloro-2,6-diethyl trimellitimidobenzene) as a diacid, was prepared by the reaction of trimellitic anhydride (tma) with 4,4?-methylenebis(3-chloro-2,6-diethylaniline) (mcdea). the novel poly(amide-imide) (pai) was synthesized from the reaction of 4,4?-methylenebis(3-chloro-2,6-diethyl trimellitimidobenzene) as a diacid with mcdea under green condition using ...

the purpose of this study is to investigate and explore the causes of identity crisis as one of the debilitating consequences of colonial project after the withdrawal of colonial power. in order to do justice to the full-length severity of displacement that was the fruit of indentureship, v. s. naipauls west indian epic, a house for mr biswas, has been scrutinized with the main focus being the ...

just as motivation is important in sla research, demotivation constitutes an important factor, too. there are many studies done on demotivation and burnout of teachers. many of these studies have been conducted on one or two aspects of english instruction. consequently, there are few studies which have been done on more than two aspects of english teaching. the aim of this study is to find out ...