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 compound is a word-formation process that are made two free morpheme (independent) and forms a new word with a new meaning that consists of meaning of both two component of compound. avestan language is one of the ancient iranian languages that is one of the indo-iranian languages. indo-iranian languages is one branch of indo-european languages. structure of compound noun and adjectiv...

in this study reference as one of the five cohesive devices in the achievement of textuality in english and persian narrative/descripitive written texts is focused on and analysed . to do so , the theoretical framework elaborated by halliday and hasan (1976) and its version adapted by the writer to match the sub-types of reference in farsi are applied to the analysis of reference in english and...

the issue of curriculum and syllabus evaluation and revision has been in center of attention right from when curriculum came into attention of educational institutions. thus everywhere in the world in educational institutions curricula and syllabi are evaluated and revised based on the goals, the needs, existing content, etc.. in iran any curriculum is designed in a committee of specialists and...

tourism , today as one of the ways to make money, create jobs , and social and political interactions is considered. this paper aims to examine the strengths and weaknesses of tourism development in mahmoud abad ( mazandaran ). the research method in this study is " descriptive - analytical " and to collection of data used field methods such as questionnaires and documentation - library. the sa...

in this thesis, first the notion of weak mutual associativity (w.m.a.) and the necessary and sufficient condition for a $(l,gamma)$-associated hypersemigroup $(h, ast)$ derived from some family of $lesssim$-preordered semigroups to be a hypergroup, are given. second, by proving the fact that the concrete categories, semihypergroups and hypergroups have not free objects we will introduce t...

over the past decades a number of approaches have been applied for forecasting mortality. in 1992, a new method for long-run forecast of the level and age pattern of mortality was published by lee and carter. this method was welcomed by many authors so it was extended through a wider class of generalized, parametric and nonlinear model. this model represents one of the most influential recent d...

abstract the third millennium has started, but the world is facing with serious challenges in achieving international security and peace. various human rights violations have lead the states to find means to protect human rights. also article 55 of the united nations charter introduces the respect to human rights and fundamental freedom as the most suitable ways to realize peace and security. ...

this study was intended to analyze the listening tapescripts of the elementary and pre-intermediate levels of total english textbooks from the pragmatic dimension of language functions and speech acts in order to see whether the listening tasks are pragmatically informative or not. for this purpose, 8 conversations from the two books were selected randomly, and then, the two pragmatic models of...

writing an academic article requires the researchers to provide support for their works by learning how to cite the works of others. various studies regarding the analysis of citation in m.a theses have been done, while little work has been done on comparison of citations among elt scopus journal articles, and so the dearth of research in this area demands for further investigation into citatio...