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...

this study purported to compare and contrast the use of self-mention and evidentials as two mtadiscourse features in opinion columns of persian and english newspapers. the theoretical basis of this study is the idea that metadiscourse features vary across cultural boundaries. for this purpose, 150 persian and 150 english opinion columns were collected based on three factors of topic, audience a...

this study was conducted to investigate the effect of favorite-text on iranian intermediate efl learners’ vocabulary development. sixty learners from nour-al-mahdi english institute participated in the present study. having been homogenized by oxford placement test (opt), they were randomly assigned into two groups of 30, control and experimental. then both groups sat for a pre-test which was a...

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 ...

asymmetric polyethersulfone (pes) microfiltration flat sheet membranes were composed by the phase inversion method (pim) and were used as supports. composite membranes were fabricated by coating silicone rubber as selective layer. effect of different concentrations of pes and pdms and different solvent such as nmp, dmf and dms effects as pes solvents and support thickness and different coagulat...

abstract ion selective electrodes (ises) are electrochemical sensors that respond selectivity to the activity of ionic species. an ion-selective electrode is an electrochemical device that uses a thin selective membrane or film as the recognition element, and is an electrochemical half-cell equivalent to other half-cells of the zeroth (inert metal in a redox electrolyte). in common methods o...

abstract: country’s fiber optic network, as one of the most important communication infrastructures, is of high importance; therefore, ensuring security of the network and its data is essential. no remarkable research has been done on assessing security of the country’s fiber optic network. besides, according to an official statistics released by ertebatat zirsakht company, unwanted disconnec...

the present research was conducted to explore the effect of employing two language teaching approaches, i.e. schema-based instruction (sbi) and translation-based instruction (tbi), on vocabulary knowledge, structure and reading comprehension ability of forty one female students learning english in grade one senior high school in rivash, kuhsorkh, iran. while sbi focuses on schemata, i.e. words ...

abstract deviation or in other words committing a crime is literally a social problem. this research that was conducted in 1389 and 1390 has tried to investigate the causes of crimes committed by young male inmates qazvin central prison and effective variables on their tendency to deviation. accordingly after collecting theoretical framework and offering theoretical model including both hirsch...

the methods which are used to analyze microstrip antennas, are divited into three categories: empirical methods, semi-empirical methods and full-wave analysis. empirical and semi-empirical methods are generally based on some fundamental simplifying assumptions about quality of surface current distribution and substrate thickness. thses simplificatioms cause low accuracy in field evaluation. ful...