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...

today, scouring is one of the important topics in the river and coastal engineering so that the most destruction in the bridges is occurred due to this phenomenon. whereas the bridges are assumed as the most important connecting structures in the communications roads in the country and their importance is doubled while floodwater, thus exact design and maintenance thereof is very crucial. f...

acknowledgements i wish to express my gratitude to all those who have helped me in preparing this thesis. i would like to express my deep gratitude to my respected advisor dr. kourosh akef, whose advice and comments helped me in the early stages of the research and throughout the writing process. i would also like to express my gratitude to dr. hajar khanmohammad whose invaluable guidance he...

چکیده «محکم و متشابه»، «نسخ» و «قرائات» از موضوعات مهم علوم قرآنی است. آیت الله معرفت در هر سه موضوع ضمن نقد دیدگاههای گذشته و رایج، به ارائه نظریاتی بدیع پرداخته اند. تعریف روشن از محکم و متشابه، تفاوت بین متشابه و مبهم، طبقه بندی تشابه به ذاتی و عرضی و ضابطه مند ساختن معانی تأویلی و باطنی، از جمله نوآوری های آیت الله معرفت در حوزه محکم و متشابه به شمار می رود. در موضوع نسخ، شاهد دو قرائت...

the importance of writing as a complex skill in applied linguistics has drawn the attention of many researchers to evaluate textbooks in order to help learners gain self-sufficiency and autonomy in the field of language use and communication. investigations have shown that developments in textbooks evaluation can promote the quality of pedagogies and consequently the learning. this study attemp...

a simple, rapid and low-cost scanner spectroscopy method for the glucose determination by utilizing glucose oxidase and cdte/tga quantum dots as chromoionophore has been described. the detection was based on the combination of the glucose enzymatic reaction and the quenching effect of h2o2 on the cdte quantum dots (qds) photoluminescence.in this study glucose was determined by utilizing glucose...

in the area of vocabulary teaching and learning although much research has been done, only some of it has led to effective techniques of vocabulary teaching and many language learners still have problem learning vocabulary. the urge behind this study was to investigate three methods of teaching words. the first one was teaching words in context based on a traditional method of teaching that is,...