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...

the present paper investigates how far ideologies can be tease out in discourse by examining the employed schemata by two ideologically opposed news media, the bbc and press tv, to report syria crisis during a period of nine months in 2011. by assuming that news is not a valuefree construction of facts and drawing on micro structural approach of schema theory, for the first time in discours...

data envelopment analysis (dea) is a powerful tool for measuring relative efficiency of organizational units referred to as decision making units (dmus). in most cases dmus have network structures with internal linking activities. traditional dea models, however, consider dmus as black boxes with no regard to their linking activities and therefore do not provide decision makers with the reasons...

this study was an attempt to investigate the effect of using c-test passages on the reading comprehension and incidental vocabulary learning of iranian intermediate efl learners. the participants were 60 male efl learners at kish mehr institute in garmsar. in fact, there were two groups, an experimental group and a comparison group with 30 students in each. the participants were pretested throu...

in this thesis, a better reaction conditions for the synthesis of spirobarbiturates catalyzed by task-specific ionic liquid (2-hydroxy-n-(2-hydroxyethyl)-n,n-dimethylethanaminium formate), calcium hypochlorite ca(ocl)2 or n-bromosuccinimide (nbs) in the presence of water at room temperature by ultrasonic technique is provided. the design and synthesis of spirocycles is a challenging task becaus...

in this study, the relationship between teachers’ creative and critical thinking skills and their reflectivity in teaching was investigated. to this end, three questions were raised. these questions were intended to determine whether there was a significant relationship between teachers’ creative thinking skills and their reflectivity in teaching; whether there was a significant relationship be...