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...

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...

the following question poped up: is there any relationship between iranian high school efl learners reading comprehension and listening comprehension? then the following null hypothesis (ho) was developed to the test the above, mentioned question. "there is no relationship between high school efl learners reading comprehension and listening comprehension. for nearly 16 weeks, the experimental g...

چکیده: پژوهش حاضر به بررسی تطبیقی اعتماد اجتماعی در بین دبیران زن و مرد مقطع راهنمایی شهر ایلام می پردازد. امروزه در جوامع شاهد گسترش ارتباطات هستیم و با توجه به این که دامنه کنش های اجتماعی از حد روابط با آشنایان و دوستان فراتر رفته و به تعامل با کنشگران غربیه و نا آشنا گسترش یافته است، لزوم وجود اعتماد، بیش از پیش احساس می شود. اما با توجه به نقش دبیران در نهادهای آموزشی، در انتقال ارزش ها و...

the construct of self-efficacy has received increasing attention in research over the past two decades. many studies have been carried out 1.3 significance of the study this study has pedagogical implications since improving students’ self- efficacy and autonomy is important for promoting actual performance on classroom academic tasks. in academic settings, it has been shown that self-effi...

this research has been taken among the students of high school in karaj city during the years 1391 and 1392. this is a survey research and data gathering is through questionnaires. studying the “an analysis of students’ tendency toward non-native reference groups in karaj”. the questionnaire was distributed among 260 of these students who were chosen through multi step cluster sampling. conside...

regarding the ever evolving and improving world on different aspects of knowledge, the need to a worldwide communication would emerge stronger than ever before which calls for special attention on the judgments and best choices for intermediating between the nations. as the language skills for translation are tested separately from translation skills themselves, to assess translation skills pro...

colonialism is an important factor in cultural production and many of cultural constructs all over the world. english and english language teaching are at the center of the contemporary world. postcolonial literature, the genre achebe exercised, is a kind of historical text which has become central to different debates and criticisms. in this thesis, different elements related to the colonial...

monumental changes occurring on a daily basis have altered the world into a global village of expanding technology and shrinking geography in which preparing language learners for intercultural communication seems to be a sine qua non for modern language education. employing a cross-sectional design in its first phase, this study investigated the intercultural sensitivity and language proficien...

this thesis basically deals with the well-known notion of the bear-invariant of groups, which is the generalization of the schur multiplier of groups. in chapter two, section 2.1, we present an explicit formula for the bear-invariant of a direct product of cyclic groups with respect to nc, c>1. also in section 2.2, we caculate the baer-invatiant of a nilpotent product of cyclic groups wuth resp...