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...

this study investigated the effects of three kinds of gloss conditions, that is traditional non-call marginal gloss, audio gloss, and extended audio gloss, on reading comprehension and vocabulary gain of iranian upper- intermediate efl learners. to this end, three experimental and one control groups, each comprising 15 participants, took part in the current study. in order to ensure that the pa...

introduction acetic acid bacteria are large group of obligate aerobic gram negative bacteria with the ability to oxidize ethanol to acetic acid (1). they are widely distributed in natural habitats and classified in family acetobacteraceae. members of this family are useful in industrial production of vinegar(2). acetic acid bacteria (aab) can use substrates as glucose, ethanol, lactate or glyc...

abstract i the purpose of this study was to launch a thorough investigation concerning the possibility of differing orientations to the writing proficiency construct by native and non-native english speaking teacher raters. it mainly revolved around the international english language testing system (ielts) that is widely administered and employed as a measure of general proficiency in englis...

the present study has tried to accomplish an analysis of margaret atwood’s novels oryx and crake, and the year of the flood in the light of posthuman and cyborg theories. considering posthumanism as a critical reading of some notions of humanism focus of which in this thesis has been identity, new definitions for humanity and human identity are formed. haraway’s cyborg, as one possible new figu...

the present study investigated the effect of the two vocabulary teaching techniques in est, namely the use of translation and the use of visual aids as two separate vocabulary teaching techniques. to answer the question of the study, a pretest (michigan test) was administered to the 58 randomly selected est students at khajeh nasiredin tusi university, faculty of mechanics. after the homogeneit...

‏‎the community dynamics of aquatic coleoptera(insecta)in one of the spring-stream habitats of bammo national park in fars province called cheshmeh-ye-ghanbari is studied as a pilot project and model for acquaintance with and furthering the biodiversity studies on fauna of iran. sixteen species-populations out of nineteen of this community were already identified for their taxonomy and for thei...

the purpose of this study was to investigate the effect of task repetition on accuracy of iranian efl learners ’speaking ability. in order to achieve this purpose, a null hypothesis was developed: there is no statistically significant difference between accuracy speaking ability in iranian efl learners by use of task repetition. ; of course i should mention that, beside this null hypothesis, an...

in this study, the relationship between teachers’ creative and critical thinking skills and their reflectivity in teaching was investigated. to this end, three questions were raised. these questions were intended to determine whether there was a significant relationship between teachers’ creative thinking skills and their reflectivity in teaching; whether there was a significant relationship be...

the main purpose of this study was to investigate any relationship between high school efl teachers metaphorical understandings of their role in class and their self-efficacy beliefs. teachers metaphors were elicited through two different prompts: one picturing what they believed a language teacher should be like in class, and the other demonstrating what they are actually like in class; such...