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...

due to lack of knowledge management system in the organization of technical and vocational university of iran (tvuni) and losing good employees because of retirement and substitution causes huge amount of costs to replace the similar expertise. there is no any suitable system in the tvuni to store, to document, and to distribute knowledge. based on the university’s features such as it has diffe...

translation studies have become an accepted academic subject and books, journals and doctoral dissertations appear faster than one can read them all (bassnet and lefevere, 1990). but this field also brought with itself so many other issues which needed to be investigated more, in the heart of which, issues like ideology, ethics, culture, bilingualism and multilingualism. it is reported that ove...

abstract in aggregate, active forms of reactive silica with mineral names are sometimes associated with sand and gravel in concrete mixture. alkali hydroxides originated from alkalis in the cement or other resources form an alkaline silica gel with this reactive silica which becomes swallowed and expanded during time causing damage to concrete. there have been growing researches on alkaline r...

writing an academic article requires the researchers to provide support for their works by learning how to cite the works of others. various studies regarding the analysis of citation in m.a theses have been done, while little work has been done on comparison of citations among elt scopus journal articles, and so the dearth of research in this area demands for further investigation into citatio...

the following null hypothesis was proposed: h : there is no significant difference between the use of semantically or communicatively translates scientific texts. to test the null hypothesis, a number of procedures were taken first, two passages were selected form soyrcebooks of food and nutrition industry and gardening deciplines. each, in turn, was following by a number of comprehension quest...

the present paper investigates how far ideologies can be tease out in discourse by examining the employed schemata by two ideologically opposed news media, the bbc and press tv, to report syria crisis during a period of nine months in 2011. by assuming that news is not a valuefree construction of facts and drawing on micro structural approach of schema theory, for the first time in discours...

according to cheng (1999), in recent esl/efl literature, asian (especially east asian) learners of english as a foreign/second language have been arguably reported as reticent and passive learners. the most common allegations are that these students are reluctant to participate in classroom discourse; they are unwilling to give responses; they do not ask questions; and they are passive and over...

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 the aim of the present study is to explore the impact of the cognitive reading strategy instruction on learners reading self-efficacy and their reading achievement. in order to fulfill this purpose, from 120 participants, 90 intermediate efl learners as an experimental group were chosen from three different educational settings namely, yazd university, yazd science and art un...