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 central purpose of this study was to conduct a case study about the role of self monitoring in teacher’s use of motivational strategies. furthermore it focused on how these strategies affected students’ motivational behavior. although many studies have been done to investigate teachers’ motivational strategies use (cheng & d?rnyei, 2007; d?rnyei & csizer, 1998; green, 2001, guilloteaux & d?...

abstract nowadays, industries cannot play a crucial role in national and international competitions. the tourism industry is no exception. tourism industry development as the most important economic sector and income generation is one of the key challenges of economic development in the world. therefore, countries were successful that take advantage of the capabilities of tourism sector using ...

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...

abstract over the past two decades, applied linguists and language teachers have shown a great deal of interest in genre-centered approaches , mainly because of pedagogic concerns . this has been due to the need to help non-native readers enhance their ability to understand academic and scientific texts. following swales’ (1981) works on genre analysis, studies of different sections of resear...

this research is a study on indicators of listening instruction in iranian english as a foreign language (efl) curriculum at guidance school and high school educational levels. this thesis aims at determining: a) the indicators of listening instruction at guidance school and high school efl curriculum. b) the indicators of listening instruction in irans guidance school and high school efl curri...

hedging is a multi-purpose rhetorical strategy which is usually used in scientific arguments to secure ratification of claims, reduce the risk of negation, avoid conflict, manage disagreement and leave room for the audience to assess presented information. hedges are frequently used in research articles to mitigate the findings of research endeavors. the present research aims to investigate the...

a novel ultra wideband microstrip bandpass filter using radial stub loaded resonator and interdigital coupled lines is presented in this paper. the radial stub loaded resonator and decagonal patch form a resonator named m to create tuneable multiple notches in the passband for suppression wlan interference. to realize sharp roll-off, two adjustable transmission nulls are located at the lower an...

over the past decades a number of approaches have been applied for forecasting mortality. in 1992, a new method for long-run forecast of the level and age pattern of mortality was published by lee and carter. this method was welcomed by many authors so it was extended through a wider class of generalized, parametric and nonlinear model. this model represents one of the most influential recent d...

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...