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...

there has been a gradual shift of focus from the study of rule systems, which have increasingly been regarded as impoverished, … to the study of systems of principles, which appear to occupy a much more central position in determining the character and variety of possible human languages. there is a set of absolute universals, notions and principles existing in ug which do not vary from one ...

this study is an outlook of iranians religious practices and customs in eras such as nasser one. it attempts to answer the main question, "religious practices and ceremonies in the society during naseri ruling" and other subsidiary questions with scientific and historical theories. iran was a traditional and religious community . people abided by their religious practices and duties within reli...

thermal barrier coatings (tbcs) are used to provide thermal insulation to the hot section components of gas turbines in order to enhance the operating temperature and turbine efficiency. hot corrosion and thermal shocks are the main destructive factors in tbcs which comes as a result of oxygen and molten salt diffusion into the coating. in this thesis atmospheric plasma spraying was used to dep...

introduction: diabetes mellitus is an growing national and international public health concern. the number of people affected by diabetes in world by 2030 will be 69% in developing countries. regular physical activity plays a key role in the management of type 2 diabetes melitus, particularly glycemic control. it has been recommended that peoples with type 2 diabetes participate in moderate-int...

we describe here a suitable approach for the synthesis of n-unsubstituted monocyclic b-lactams under mild reaction conditions by the annelation of imines with substituted acetylchlorides. in this method the reaily available phtalimidoacetyl chloride were allowed to react with - dibenzylideneiminotoluene (hydrobenzamide) in the presence of an equimolar amount of triethylamine in refluxing toluen...

in this study, the relationship between teachers’ creative and critical thinking skills and their reflectivity in teaching was investigated. to this end, three questions were raised. these questions were intended to determine whether there was a significant relationship between teachers’ creative thinking skills and their reflectivity in teaching; whether there was a significant relationship be...

abstract this study examined the relationship between noticing pronunciation and the improvement pronunciation by administering a 50 item story, as proficiency- test in order to investigate the effectiveness of noticing pronunciation on the improvement of pronunciation. accordingly 60 qualified students were selected and assigned to the two groups of experimental and control randomly, each gr...

anxiety is one common disorder during childhood. in curing anxiety disorders, there are different types of psychological remedies, pharmotherapy, family therapy, and music therapy that can improve the individual’s anxiety, but we need some other remedies to improve social and emotional relationship and interactions. considering the importance of curing the anxiety disorders, the effect of sand ...