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 focused on the following questions: 1. is there any difference between the effect of functional/notional approach and the structural approaches to language teaching on the proficiency test of efl learners? 2. can a rather innovative language test referred to as "functional test" ge devised so so to measure the proficiency test of efl learners, and thus be as much reliable an...

this study investigated the effects of planning on second-language written production with regard to task type. the participants were 75 iranian learners of english as a foreign language attending a private foreign language institution. they were asked to complete two different types of writing tasks (expository writing task and argumentative writing task) in different planned conditions (indiv...

now-a-days graphic design plays a major role in influencing culture, society, business, and customers, in such a way that one could look upon every individual as a potential customer. graphic designers seek to identify customers needs and find an intelligent solution for them. correct identification and understanding of those needs is the first step towards achieving ones goals. marketing knowh...

abstract previous researches have shown success of growth hormones usage on flower production increase, pod and prevention of abscission of them in some of the pulses. two tests were done, in order to find out the effects of growth hormones to on flower production increase, pod and chick pea yield composites in farmer conditions (2010-11) and green house conditions as factorial on the proje...

abstract: one of the most visited & important spaces in different countries by tourist are urban areas. the old tehran which major part is located in district 12 is historical showcase of the capital, but, its hiidden cultural attraction is not used as it should be. this thesis occasionally engage in studying the efficacy of correct installation of travel guide boards in welfare & easily acc...

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...

in this research the focus of the researcher is on the influence of american myths that have long been held and offered by the american culture and ideologies. sam shepard is conceived to be one of the greatest playwrights of the contemporary american theater. in his works he depicts broken characters who are struggling to keep up with the national expectations but are ceaselessly borne back to...

‏‎despite the different criticisms on contrastive analysis it has been proved that the results of it(when processed) can be useful in a tefl environment, specially at the level of phonology.this study is an attempt to compare and contrast the sound systems of kurdish and english for pedagogical aims.the consonants,vowels,stress and intonation of the two languages are described by the same model...

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 ...