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...

هدف تحقیق حاضر بررسی تاثیر نشانه های فرا گفتمان متنی بر فهم متون انگلیسی به وسیله ی زبان اموزان فارسی زبان است.این تحقیق علاوه بر این کوشیده است تا میزان اگاهی این زبان اموزان و نحوه ی تعامل انان را با متون خوانده شده در زبان انگلیسی به وسیله ی پرسش نامه ی تهیه شده بررسی کند.بر اساس محتوای یک متن انگلیسی یازده سوال درست /غلط طرح گردید و یک مرتبه با ان متن و یک مرتبه با نسخه ای که نشانه ها...

wireless sensor networks (wsns) are one of the most interesting consequences of innovations in different areas of technology including wireless and mobile communications, networking, and sensor design. these networks are considered as a class of wireless networks which are constructed by a set of sensors. a large number of applications have been proposed for wsns. besides having numerous applic...

the present study seeks to determine the effect of explicit instruction of metacognitive strategies on iranian high school students’ reading comprehension ability. it also attempts to investigate the relationship between the learners reading comprehension and metacognitive strategies. furthermore, the study investigates whether iranian efl female high school students are high, medium, or low me...

abstract previous studies on willingness to communicate (wtc) have shown the influence of many individual or situational factors on students’ tendency to engage in classroom communication, in which wtc has been viewed either at the trait-level or situational level. however, due to the complexity of the notion of willingness to communicate, the present study suggests that these two strands are ...

a problem of computer vision applications is to detect regions of interest under dif- ferent imaging conditions. the state-of-the-art maximally stable extremal regions (mser) detects affine covariant regions by applying all possible thresholds on the input image, and through three main steps including: 1) making a component tree of extremal regions’ evolution (enumeration), 2) obtaining region ...

‏‎the purpose of the present study was to investigate the latent pattern underlying reading ability . some 272 male and female participants. english majors at the ba level , participated in the study. two valid tests were used in this study, the reading test developed exclusively for the purpose of this project and academic reading section of ielts. to investigate the possible latent underlying...

feminine voice and narratology in wuthering heights wuthering heights as a general "bronte" work has extraordinary dimensions to it which can make it focal to different ways of interpretation. among other differences the issue of narrative voice is essential in understanding the ultimate purpose of wuthering heights. emily bronte uses different narrators from various focal points speaking of m...

this study examined the effects of collaborative strategic reading and direct instruction in persuasion on iranian high school students persuasive writing and attitudes. students in three intact classes were assigned to one of three treatment conditions: collaborative strategic reading and direct instruction in persuasion or direct instruction in persuasion or a control group. treatment effects...

in this thesis, we exploit a simple and suitable method for immobilization of copper(ii) complex of 4?-phenyl-terpyridine on activated multi-walled carbon nanotubes [amwcnts-o-cu(ii)-phtpy]. this nanostructure was characterized by various physico-chemical techniques. to ensure the efficiency and fidelity of copper species, the implementation of three-component strategies in click-chemistry all...