it is definitely necessary to understand the concept and behavior of causation of life insurance policies and its determinants for insurance managers, regulators, and customers. for insurance managers, the profitability and liquidity of insurers can be increasingly influenced by the number of causation through costs, adverse selection, and cash surrender values. therefore, causation is a materi...

rivers and runoff have always been of interest to human beings. in order to make use of the proper water resources, human societies, industrial and agricultural centers, etc. have usually been established near rivers. as the time goes on, these societies developed, and therefore water resources were extracted more and more. consequently, conditions of water quality of the rivers experienced rap...

this exploratory study aimed to investigate a possible relationship between learners’ beliefs about language learning and one of their personality traits; that is,locus of control (loc). both variables, beliefs and locus of control, are assumed to influence the language learning process. the internal control index (ici) and the beliefs about language learning inventory (balli) were administered...

nowadays,tourism industry considered as one of the main sources of income of a country.unfortunately and despite of owning plenty of cultural historical and natural attractions, iran has not reached to a proper position in this field. besides, the historical cities of a country are considered as the income resource and national wealth of it. qazvin with a rich cultural precedent, have suitable ...

the application of a comprehensive model of communicative language ability (cla) to language teaching and testing has always been an imperative in l2 education since hymess proposal of communicative competence in the 1970s. recent l2 research has clearly underscored the importance of sufficient pragmatics representation as an essential component of cla in pedagogical and testing practices in l2...

abstract english language learning in iran has become significant in recent years, and english has been included in the curriculum of iranian schools and universities, and considerable attention has been paid to this language in our society. nevertheless, teaching and learning english in iranian schools has not been able to satisfy the specified goals, so different efl institutes have been est...

this study aimed to investigate the effects of listening strategy training on iranian efl learners listening comprehension and use of such strategies. this work, employing an experimental methodology, was conducted among 60 adult efl learners from a language institute in isfahan, iran, as participants. the participants, who were selected based on the results of a placement test, were assigned t...

there is less published research about how teachers in efl contexts respond to students who are relatively less mature and less competent l2 writers. while writing researchers have examined various issues concerning peer and teacher response in writing-oriented classes, little research has centered on the effect of collaborative tasks particularly dictogloss on writing skills. output collaborat...

the present study is paid to the evaluation of the welfare program of the unemployment insurance in iran. the main purpose which was the main reason for performing this thesis, was the unemployment insurance plan’s challenges in iran such as financial problems of this plan, prolongation of the credit receipt for some insured people, unemployment slow exiting from the unemployment insurance fund...

the speech act of disagreement has been one of the speech acts that has received the least attention in the field of pragmatics. this study investigates the ways power relations, social distance, formality of the context, gender, and language proficiency (for efl learners) influence disagreement and politeness strategies. the participants of the study were 200 male and female native persian s...