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...

چکیده نمایشگاه های جهانی یا اکسپو عنوانی ست که از سال 1851 میلادی در لندن توسط همسر ملکه انگلستان شکل گرفت ، هدف اولیه این نمایشگاه ها نمایش دستاورد های صنعتی بود، اما در طول 165 سال که این نمایشگاه های برگزار گردیدند ، رویکرد آنها تغییر کرده است . در هر دوره به یک شعار که در واقع دغدغه اصلی جهان، در آن زمان بوده است ، پاسخ داده شده و راه حل کشور های مختلف در مورد آن موضوع به نمایش گذارده شد...

abstract this study examines the relationship between reading anxiety and difficulty of texts as well as the relationship between reading anxiety and students perceived difficulty of the texts. since difficulty is a relative concept, i limited its definition by sticking to the readability formula. we also took students perceived difficulty levels into account. therefore, in the present study, ...

there are two major theories of measurement in psychometrics: classical test theory (ctt) and item-response theory (irt). despite its widespread and long use, ctt has a number of shortcomings, which make it problematic to be used for practical and theoretical purposes. irt tries to solve these shortcomings, and provide better and more dependable answers. one of the applications of irt is the as...

this study intends to investigate samuel beckett’s waiting for godot and endgame under the lacanian psychoanalysis. it begins by explaining the most important concepts of lacanian psychoanalysis. the beckettian characters are studied regarding their state of unconscious, and not the state of consciousness as is common in most beckett studies. according to lacan, language plays the sole role in ...

this study investigates the relationship between field-related cognitive styles and global reading comprehension of hypertext. technically, field dependency is prevailing dominance of field on perception of parts, while global comprehension is skim-like reading to grasp the general content. in this research project, 60 senior and junior students of arak university majoring in english literature...

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 ...

the changes in todays world organization, to the extent that instability can be characterized with the most stable organizations called this afternoon. if you ever change management component, an additional value to the organization was considered, today, these elements become the foundation the organization is survival. the definition of the entrepreneur to identify opportunities to exploit a...