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...

type text or a website address or translate a document. abstract liquidity is considered the most important aspect of the development of stock markets. the main objective of this study was to evaluate the effect of the quality of financial information provided to replace its financial statements nmvdh and shrkt hayy that the liquidity of the shares on the tehran stock exchange is between the ...

the aim of the present study was to investigate the frequency and the type of discourse markers used in the argumentative and expository writings of iranian efl learners and the differences between these text features in the two essay genres. the study also aimed at examining the influence of the use of discourse markers on the participants’ writing quality. to this end the discourse markers us...

چکیده هدف اصلی این پژوهش شناسایی الزامات نظام مدیریت کیفیت فراگیر در حوزه پژوهشی دانشگاه اصفهان بود. سوالهای پژوهش با توجه به مولفه های مدیریت کیفیت (تعهد مدیران، بهبود مستمر فرایندها ، مشتری محوری ، منابع انسانی ، مدیریت اطلاعات ، زیرساختهای کیفیت ، استفاده از نتایج ، انعطاف پذیری، مشارکت در فعالیتهای پژوهشی، ایجاد فرهنگ کیفیت و تناسب ساختارهای سازمانی) که بر اساس مطالعه استانداردهای بین المل...

abstract: proverbs are of the language materials which of the food of any language depends on the quality and quantity of these same materials. in the present research, the researcher tried to present the ramsarian proverbs according to four variables of color, fruit, plantsand animals that selected from the book of the members of each of these four variables, put them into the spss system fo...

this study investigated how group formation method, namely student-selected vs. teacher-assigned, influences the results of the community model of teaching creative writing; i.e., group dynamics and group outcome (the quality of performance). the study adopted an experimental comparison group and microgenetic research design to observe the change process over a relatively short period of time. ...

the present paper offers a postcolonial reading of two of the best novels by v. s. naipaul – half a life and the mimic men – in five chapters. the focus of this research is on different notions of postcolonial criticism and their application on the two novels as discussed from homi bhabha’s and frantz fanons points of view. having introduced the life and literary career of v. s. naipaul in th...

this thesis seeks to present a critical reading of virginia woolf’s mrs. dalloway and michael cunningham’s the hours in terms of an intertextual approach, concentrating on dialogic imagination, negativity, transposition and allusion. this study attempts to evaluate cunninghams perception of woolfs life and work by adopting kristevas conception of intertextuality and her consideration of the hou...

the present thesis is going to investigate the theme of despair, darkness and pesimism in philip larkins poetry. larkin is a british poet whose poems were composed in the dark and gloomy years of postwar. so, his poetry contains and reflects the same darkness and despair of his age. a good number of poems form different collections of his poetry are chosen and will be analyzed in the light of t...

to discuss my point, i have collected quite a number of articles, anthologies, and books about "wuthering heights" applying various ideas and theories to this fantastic story. hence, i have come to believe that gadamer and jauss are rightful when they claim that "the individaul human mind is the center and origin of all meaning," 3 that reading literature is a reader-oriented activity, that it ...