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...

current studies in second language (l2) learning have revealed the positive role of corrective feedback (cf) in both oral and written forms in different language features. the present study was an attempt to investigate the effect of both direct and indirect written corrective feedback (wcf) on the use of grammatical collocations in l2 writing. the study also sought to examine whether the effec...

introduction acetic acid bacteria are large group of obligate aerobic gram negative bacteria with the ability to oxidize ethanol to acetic acid (1). they are widely distributed in natural habitats and classified in family acetobacteraceae. members of this family are useful in industrial production of vinegar(2). acetic acid bacteria (aab) can use substrates as glucose, ethanol, lactate or glyc...

abstract listening is a key and main tool in second language skill and its development is of prime concern to teachers and learners. furthermore, the application of technology in language classrooms has become more commonplace in the last fifty years. computer and the internet have made foreign language materials easy to access and use. so, the present study is an attempt to examine the effec...

abstract given the importance of the text’s formal aspects, in addition to its content, poetry presents special challenges to translators. poetry has its own distinctive features that cannot be rendered into another language easily. the translation of poetry into poetry entails preserving the rhyme, figurative language and the general tone of the original. the present study was an attempt to i...

we have devided the thesis in to five chapters. the first recollects facts from purely algebraic theory of jordan algebras and also basic properties of jb and jb* - algebras which are needed in the sequel. in the second chapter we extend to jb* - algebras, a classical result due to cleveland [8]. this result shows shows the weakness of jb* - norm topology on a jb* - algebera. in chapter three, ...

abstract pragmatics is the study of communicative action in its sociocultural context. communicative action includes not only using speech acts (such as apologizing, complaining, complimenting, and requesting), but also engaging in different types of discourse and participating in speech events of varying length and complexity. the present study aimed to investigate the assessment of pragm...

investigation the archetype of mother can help the reader to understand poes works, especially his fiction, better, if not fully. motivated by internal and external drives to get into the universe in its manifold form poe was impelled to art and, from various modes of art, to symbolism. how much was poe successful to produce works of art has been a matter of dispute among critics. however, ther...

although there are studies on pragmatic assessment, to date, literature has been almost silent about native and non-native english raters’ criteria for the assessment of efl learners’ pragmatic performance. focusing on this topic, this study pursued four purposes. the first one was to find criteria for rating the speech acts of apology and refusal in l2 by native and non-native english teachers...

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...