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...

in fact this study is concerned with the relationship between the variation in thematice structure and the comprehension of spoken language. so the study focused on the following questions: 1. is there any relationship between thematic structure and the comprehension of spoken language? 2. which of the themes would have greated thematic force and be easier for the subjects to comprehend? accord...

this thesis is a study on insurance fraud in iran automobile insurance industry and explores the usage of expert linkage between un-supervised clustering and analytical hierarchy process(ahp), and renders the findings from applying these algorithms for automobile insurance claim fraud detection. the expert linkage determination objective function plan provides us with a way to determine whi...

the aim of this study has been to find answers for the following questions: 1. what is the effect of immediate correction on students pronunciation errors? 2. what would be the effect of teaching the more rgular patterns of english pronunciation? 3. is there any significant difference between the two methods of dealing with pronuciation errore, i. e., correction and the teaching of the regular ...

testing plays a vital role in any language teaching program. it allows teachers and stakeholders, including program administrators, parents, admissions officers and prospective employers to be assured that the learners are progressing according to an accepted standard (douglas, 2010). the problems currently facing language testers have both practical and theoretical implications but the first i...

one of the most important number sequences in mathematics is fibonacci sequence. fibonacci sequence except for mathematics is applied to other branches of science such as physics and arts. in fact, between anesthetics and this sequence there exists a wonderful relation. fibonacci sequence has an importance characteristic which is the golden number. in this thesis, the golden number is observed ...

abstract this research has been carried out with the purpose of investigating the conditions and related elements of the employment of the educational sciences graduates of hamedan province universities in 1382-1387 academic years. it has been a descriptive research of a correlation kind, and the population number has been 1180 grduates of payam- e noor universites in asad – abaad, kaboudaraha...

these days, all department stores make an effort to provide their clients with valuable products in order to project the best image for them. as a result, clients’ comprehension risk will decrease and they will be more willing to repurchase. having a good image is really important for the department stores because it makes an impression on clients’ comprehension of both quality and risk. consid...

this study was designed and conducted to find out if there is any significant relationship between iranian efl learners preferance for one of the three degrees of obtrusiveness in foreign language instruction (focus on form, forms and meaning) and their preferred experiential learing style. to collect the data two questionnaires were used. the first one on the degree of obtrusiveness and the se...

reserches show that relationship between human and residential places is based upo both emotional and identity structures. in other words, habitat place is not only the creator of a part of humanistic identity but also form a kind of sentimental and emotional bond that may result in tendency to maintain closeness to a specific place. therefor, formaton of emotional and identity relationship wit...