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...

the present research study attempted to find out the extent to which two pre-task activities of “glossary of unknown vocabulary items” and “content related support” assisted efl language learners with their performance on listening comprehension questions across two different proficiency levels (low and high). data for this study were obtained from a total of 120 language learners, female and m...

abstract u.s. attack to afghanistan after 9/11 provided opportunities for us who tried to become the dominant power after collapse of ussr and bipolar world. thinkers like fukuyama believed american liberal democrats thought would be universally accepted without resistances. liberal democracy is the best and final model of governance; in this regard, united state has moral responsibilities for...

until now many studies have been done over recent decades throughout the world to show the right age to start english. in iran, research is still at an early stage in terms of evaluating teachers’ beliefs about teaching children english. the problem of at what age to start teaching english and how to teach english to elementary school children has not been solved neither in this country nor els...

seismic retrofit strategies have been developed in the past few decades following the introduction of new seismic provisions and the availability of advanced materials and methods. it can be observed that new approaches to deal with more lateral forces are more innovative and more energy absorbent. in line with this, there is a growing trend toward the use of steel shear walls as a system with ...

within communicative, interactive, and learner-centered framework of language teaching and learning, students need to learn four skills of listening, speaking, reading, and writing for their educational success. but of all the language skills, reading enjoys a paramount significance in so many second or foreign language academic contexts. in spite of its importance, language learners still have...

this work is presented in five parts. in the first part preparation of the starting complex [pt(c^n)cl(dmso)], 1, in which c^n = n(1),c(2?)-chelated, deprotonated 2-phenylpyridine, and dmso = dimethylsulfoxide, and its reaction with 1 equiv of the biphosphine ligands bis(diphenylphosphino)amine, dppa, or bis(diphenylphosphino)methane, dppm, to give the complex [pt(c^n)cl(dppa)], 2, or [pt(c^n)c...

the extent to which written corrective feedback on linguistic errors can play a role in helping l2 writers improve the accuracy of their writing continues to be an issue of interest to researchers and teachers since truscott (1996) mounted a case for its abolition. while there is growing empirical evidence that written corrective feedback can successfully target some types of linguistic error (...

abstract objectives gradual increase length and complexity of utterance (gilcu) therapy method is a form of operant conditioning. this type of treatment is very precise and controlled that is done in 54 steps in 3 speech situations consisted of monologue, reading and conversation. this study aimed to examine the effects of gilcu treatment method on reduction of speech dysfluency of school-age...

the methods which are used to analyze microstrip antennas, are divited into three categories: empirical methods, semi-empirical methods and full-wave analysis. empirical and semi-empirical methods are generally based on some fundamental simplifying assumptions about quality of surface current distribution and substrate thickness. thses simplificatioms cause low accuracy in field evaluation. ful...