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...

language learning courseware has been receiving growing attention by english educators since its advent. a variety of softwares have been designed by software designers and resorted to by language educators to supplement language textbooks. this experimental study investigated how the application of computerized version of language textbooks and the reception of the entire course through comput...

if the precise implementation of the principle of proportion and:balance between the violation and the penalty as well as the other dimensions could be considered as a stick yard for the imptementation of justice any lack of preciseness in carrying out such principle would not indeed be much too far from injustice . naturally ,if it would be imagined that the objective of balance between...

the purpose of the present study is to find out whether bilinguals of khuzestan-arab origin or monolinguals of iranian origin code-switch during learning or speaking english and which group is more susceptible to code-switch. to this end, the students of 24 classes from high schools and pre- university centers were screened out, and interviewed and their voices and code-switchings were recorded...

legal establishment of court is the birth of social life; each person should define him/herself against others offence or violation. when a society forms and the legal character appears, the thought of society refers to a person name prosecuting attorney who is the president of the court for defending his/her rights. prosecuting attorney remindterms such as court, crime and punishment. accordi...

building on previous studies on the effectiveness of different types of written corrective feedback, the present study aimed at investigating whether direct focused corrective feedback and direct unfocused corrective feedback produced any differential effects on the accurate use of english articles by efl learners across two different proficiency levels (low and high). in current study, the par...

abstract the present thesis studies different question sentences in persian and russian languages comparatively. sentence is a syntactic unit that matches a lot of dimensions together. sentence includes syntactic structure definite meaning & concept and different applied demotions. in applied, question and imperative sentences based on speakers aim. predicative sentences state a kind of info...

dendrimer synthesis strategies now provide virtual control of macromolecular nanostructures as a function of size and surface/interior functionality. these strategies involve the covalent assembly of hierarchical components reactive monomers , branch cells or dendron’s around atomic or molecular cores according to divergent/convergent dendrite branching principles.combinon of two or more dendri...

This paper tries to calculate and compare the trend of costs inequality between Iran’s Fars Province and the whole country in two categories of rural and urban regions within 1981-2008. Therefore, inequality indicators, i.e. Gini coefficient and income groups share, are estimated by nonparametric method. The results of studying the income distribution trend, i.e. Gini coefficient calculated fro...

از مجموع پرونده 660 بیماری که طی نیمه اول سال 1371 دچار گاستروآنتریت شده بودند و در بیمارستان 17 شهریور رشت بستری شده بودند، نتایج زیر بدست آمد : در مجموع از این 660 کودک مبتلا به گاستروآنتریت باتوجه به اینکه تمام آنها u/a داشتند، 77 نفر u/aمثبت داشته اند و u/c در مورد 28 نفر مثبت شده است . کسانی که u/a آنها مثبت بوده و همزمان کشت ادراری یعنی u/c مثبت شده است ، 20 نفر بوده اند که موضوع تحقیقات ...