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 following innovations in the field of elt, a new topic which has recently attracted a lot of attention is metaphor analysis. although this area of research is still in its infancy in elt, it seems that the idea can shed more light on the puzzle of english language learning and teaching. therefore, the major aim of this study is to analyze language learning and teaching in formal a...

chapters 1 and 2 establish the basic theory of amenability of topological groups and amenability of banach algebras. also we prove that. if g is a topological group, then r (wluc (g)) (resp. r (luc (g))) if and only if there exists a mean m on wluc (g) (resp. luc (g)) such that for every wluc (g) (resp. every luc (g)) and every element d of a dense subset d od g, m (r)m (f) holds. chapter 3 inv...

the current study examined iranian undergraduate efl students’ willingness to communicate with regard to their vocabulary knowledge. in general, participants were somewhat willing to communicate in english. the total mean score of 730 university students’ perception of willing to communicate was 83.53 out of 135. results, regarding four parts of willingness to communicate, revealed that part...

worship is submission and humitility with believe to divinity in fornt of god. in jewish religion ,worship is submission of the god inall the ordes and devosion tohim .worshio is not only so widely in islam and jew and does not include pray and fast and etc but also is every action that human does with divine intention and to content him. worship has huge and excellent rank in qoran and old te...

1.0 overview it seems that grammar plays a crucial role in the area of second and foreign language learning and widely has been acknowledged in grammar research. in other words, teaching grammar is an issue which has attracted much attention to itself, and a lot of teachers argue about the existence of grammar in language teaching and learning. this issue will remind us a famous sentence f...

uncertainty in the financial market will be driven by underlying brownian motions, while the assets are assumed to be general stochastic processes adapted to the filtration of the brownian motions. the goal of this study is to calculate the accumulated wealth in order to optimize the expected terminal value using a suitable utility function. this thesis introduced the lim-wong’s benchmark fun...

wireless sensor networks (wsns) are one of the most interesting consequences of innovations in different areas of technology including wireless and mobile communications, networking, and sensor design. these networks are considered as a class of wireless networks which are constructed by a set of sensors. a large number of applications have been proposed for wsns. besides having numerous applic...

abstract a fundamental study of “historio-graphic metafiction” and “literary genres”, as introduced in “new historical philosophy”, and tracing them in the works of julian barnes having studied the two novels, the porcupine and arthur & george, by julian barnes, the researcher has applied linda hutcheon’s historio-graphic metafictional theories to them. the thesis is divided into five cha...

most specialists in the field of foreign language teachingconsiderreading skill as an interactive process between the reader’s prior knowledge and the text.accordingly, the activation of prior knowledge for an effective comprehension is very important. it is generally agreed that the pre-reading phase is the stage where this type of interaction and activation may be enhanced throughcertain stra...