learning a second or foreign language requires the manipulation of four main skills, namely, listening, reading, speaking, and writing which lead to effective communication. it is obvious that vocabulary is an indispensible part of any communication, so without a vocabulary, no meaningful communication can take place and meaningful communication relies heavily on vocabulary. one fundamental fac...

Credit risk is due to that recipients of the facility, deliberately or involuntarily, don’t have ability to repay their debts to the banking system that this risk is critical in Iran compared to the global. Therefore, the purpose of this study was to investigate the effect of macroeconomic variables on credit risk of Iranian banking industry during the 2006-2016 years and also simulation and pr...

One of the most important issues for institutions that provide financial facilities to others is the issue of credit risk. One of the ways to quantify and measure credit risk and, consequently, its proper management, is to use a credit rating. Credit rating is a model for measuring the performance of facility recipients, which is based on quantitative criteria such as corporate financial inform...

as some definitions show, idioms are expressions whose meanings cannot be obtained from individual words. in every society, people use their own conceptions and feelings through different idioms and expressions. so every culture and society has their own idioms. some scholars proposed methods for translating idioms but baker’s strategies are very important and constructive. this research tried ...