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...

abstract:assume that y is a banach space such that r(y ) ? 2, where r(.) is garc?a-falset’s coefficient. and x is a banach space which can be continuously embedded in y . we prove that x can be renormed to satisfy the weak fixed point property (w-fpp). on the other hand, assume that k is a scattered compact topological space such that k(!) = ? ; and c(k) is the space of all real continuous ...

learning a second or foreign language requires the manipulation of four main skills, namely, listening, reading, speaking, and writing which lead to effective communication. it is obvious that vocabulary is an indispensible part of any communication, so without a vocabulary, no meaningful communication can take place and meaningful communication relies heavily on vocabulary. one fundamental fac...

the study of air infiltration into the buildings is important from several perspectives that may be noted to energy and design of hvac systems, indoor air quality and thermal comfort and design of smoke control systems. given the importance of this issue, an experimental and numerical study of air infiltration through conventional doors and windows has been explored in iran. to this end, at fir...

this study investigates the relationships between iranian efl teachers’ perfectionism, burnout and their teaching style preferences, and also the difference between male and female efl teachers and their teaching style preferences. to this end, a sample of 99 efl teachers (46 males and 53 females), who had years of teaching experience, were selected. the measurement scales used in this study we...

the present study was an attempt to determine the types of motivation and levels of foreign language learning anxiety among efl students studying at azad and state universities in kermanshah and to determine the relationship between these two factors and language proficiency and gender. to this end, the foreign language learning motivation scale, by deci and ryan )1985(, were administered to 12...

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...

‎in this article‎, ‎we have focused one some basic and productive information about the properties of spectrum and singular values related to compact operators which are ideals in a c*-algebra of bounded operators‎. ‎considering a two-sided connection between the family of symmetric gauge functions on sequence of singular values of compact operators and symmetric norms on finite dimensional ope...

there is no doubt that human being needs to become integrated with industry and industry needs to be progressed, daily. on the other hand, serious events in industrial units specially in oil industries has been shown that such damages and events are industry related ones. the consequence of such events and damages which resulted in chemical and poisoned explosions and loss of life and property ...