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...

abstract when in administrative law the matter of administrative offences are raised, these offences would have legal nature if they are force able, some of these offences are related to administrative law, where as some other pelts are common in civil or penal law. the current research intends not only to consider the concept and foundation of administrative execution rules but also compares...

iv abstract this study examined the linguistic behaviors of two iranian efl teachers each of them teaching learners of two similar proficiency levels, a beginner level and an intermediate level, to investigate the relationship between the learners proficiency levels and the amounts and purposes for l1 use by the two teachers. the study was carried out to investigate whether there were differe...

this study investigates the cohesive devices used in the textbook of english for the students of psychology. the research questions and hypotheses in the present study are based on what frequency and distribution of grammatical and lexical cohesive devices are. then, to answer the questions all grammatical and lexical cohesive devices in reading comprehension passages from 6 units of 21units th...

چکیده توان بالقوه تجاری سلولازها و کاربردهای گوناگون آن ها در بسیاری از صنایع انگیزه ای قوی برای تحقیق در این زمینه طی چند دهه گذشته بوده است. با توجه به کاربردهای فراوان این آنزیم در صنایع غذایی? در این پژوهش تصمیم به جداسازی ریزسازواره های تولید کننده سلولاز از خاک درختان انار، انگور، خرمالو و گردو حیاط دانشکده کشاورزی تربیت مدرس، گرفته شد. در این بین خاک درخت خرمالو به دلیل دارا بودن تعداد ...

the purpose of this study was to investigate the relationship between family functioning and marital adjustment humor couples are due to the nature and objectives of the research and application of methods for its implementation correlation was used. the study population consisted of all the couples in the city who uses random cluster sampling of 200 students were selected as sample. data from ...

the present study seeks to determine the effect of explicit instruction of metacognitive strategies on iranian high school students’ reading comprehension ability. it also attempts to investigate the relationship between the learners reading comprehension and metacognitive strategies. furthermore, the study investigates whether iranian efl female high school students are high, medium, or low me...

چکیده تمام نما مقدمه: این تحقیق برای بررسی میزان خلاقیت و عناصر آن (انعطاف- سیالی- ابتکار و بسط) در کارشناسان فوق برنامه های تربیت بدنی دانشگاههای تهران صورت گرفته است. بطور کلی خلاقیت به معنای توانایی تولید اندیشه ها و ایده های جدید و ترکیب آنها با یکدیگر و بیشتر در جنبه های فکری نظری و به اصطلاح فعالیتهای ذهنی و طراحی قبل از عمل به کار می رود و دارای چهار عنصر به شرح زیر می باشد. 1- سیالی...