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...

translation studies have become an accepted academic subject and books, journals and doctoral dissertations appear faster than one can read them all (bassnet and lefevere, 1990). but this field also brought with itself so many other issues which needed to be investigated more, in the heart of which, issues like ideology, ethics, culture, bilingualism and multilingualism. it is reported that ove...

with the introduction of communicative language teaching, a large number of studies have concerned with students’ oral participation in language classrooms. although the importance of classroom participation is evident, some language learners are unwilling to engage in oral activities. this passivity and unwillingness to participate in language classroom discussions is known as “reticence”. rev...

one of the most important number sequences in mathematics is fibonacci sequence. fibonacci sequence except for mathematics is applied to other branches of science such as physics and arts. in fact, between anesthetics and this sequence there exists a wonderful relation. fibonacci sequence has an importance characteristic which is the golden number. in this thesis, the golden number is observed ...

abstract this study evaluates the iranian pre-university english textbook in terms of needs, objectives, content, and methodology. the study was designed on the qualitative- quantitative survey basis using interviews and questionnaires, a researcher-made textbook evaluation checklist and a needs analysis questionnaire. the textbook evaluation questionnaire was used in this study to elicit the ...

some new water-soluble schiff base complexes of na2[m(5-so3-1,2-salophen)].nh2o; (5-so3-1,2-salophen = n,n’-bis(5-sulphosalicyliden)-1,2-phenylendiamine); na2[m(5-so3-2,3-salpyr)(h2o)n].2h2o; (5-so3-2,3-salpyr = n,n’-bis(5-sulphosalicyliden)-2,3-diaminopyridine); and na2[m(5-so3-3,4-salbenz)(h2o)n].nh2o; (5-so3-3,4-salbenz = n,n’-bis(5-sulphosalicyliden)-3,4-diaminobenzophenon); where m = cu, n...

the construct of self-efficacy has received increasing attention in research over the past two decades. many studies have been carried out 1.3 significance of the study this study has pedagogical implications since improving students’ self- efficacy and autonomy is important for promoting actual performance on classroom academic tasks. in academic settings, it has been shown that self-effi...

writing as a productive skill requires practice in the basic sub-skills of vocabulary and grammar. in fact, grammar has been viewed as the core of programs in writing classes to help the students put the elements of sentence together and combine sentences of specific lengths to come up with an error-free work of art. conceptualizing l2 writing in this way introduces writing as a product and enc...

this study is an outlook of iranians religious practices and customs in eras such as nasser one. it attempts to answer the main question, "religious practices and ceremonies in the society during naseri ruling" and other subsidiary questions with scientific and historical theories. iran was a traditional and religious community . people abided by their religious practices and duties within reli...

abstract the first purpose of this study was to investigate the effect of consciousness-raising (c-r) activities on learning grammatical structures (simple present tense in this case) by iranian guidance school efl learners. the second one was to investigate the effect of gender on learning the simple present tense through c-r activities and tasks. finally, this study aimed to investigate the ...