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...

according to webster and wind (1972) and anderson et al (1987), “organizational buying is a complex process and involves many people from different functional areas, multiple goals and potentially conflicting decision criteria. moreover, the customers of today are also more knowledgeable and selective when making their purchasing decisions. since a key to organizational survival is the retentio...

abstract the variables affecting the nature of reading comprehension can be classified into two general categories: reader’s variables, and text variables (alderson, 2000). despite the wave of research on vocabulary knowledge as reader’s variable, the role of this knowledge in c-test as a text-dependent test and its interaction with lexical cohesion of the test as a text feature has remained a...

in this project, 4,4?-methylenebis(3-chloro-2,6-diethyl trimellitimidobenzene) as a diacid, was prepared by the reaction of trimellitic anhydride (tma) with 4,4?-methylenebis(3-chloro-2,6-diethylaniline) (mcdea). the novel poly(amide-imide) (pai) was synthesized from the reaction of 4,4?-methylenebis(3-chloro-2,6-diethyl trimellitimidobenzene) as a diacid with mcdea under green condition using ...

asymmetric polyethersulfone (pes) microfiltration flat sheet membranes were composed by the phase inversion method (pim) and were used as supports. composite membranes were fabricated by coating silicone rubber as selective layer. effect of different concentrations of pes and pdms and different solvent such as nmp, dmf and dms effects as pes solvents and support thickness and different coagulat...

plagiarism in esl/efl learning contexts has been established as a dynamic and multi-layered phenomenon and has become a topic engaging many researchers in a heated debate in recent years. comparisons of student-generated texts with their source texts have shown that students rely on source texts in their writings and copying is a major strategy used by both l1 and l2 writers. in our country a...

this study intends to investigate samuel beckett’s waiting for godot and endgame under the lacanian psychoanalysis. it begins by explaining the most important concepts of lacanian psychoanalysis. the beckettian characters are studied regarding their state of unconscious, and not the state of consciousness as is common in most beckett studies. according to lacan, language plays the sole role in ...

introruction khawf in(iran)-herat and mazaresharif and shirkhan bandar in (afghanistan)-dushanbe in (tajikistan)_(kirgizstan)-kashghar in(china) project railway network is under construction that it is as a significant corridor for revitalizing silk road corridor in the region .at the present there are three different gauge in the region central asia with 1,520 mm gauge and turkey-islamic repu...

abstract: postmethod is a newly developed pedagogy which as an alternative to method rejects the notion of good or bad methods and the concept of best method that can be generalized and appropriate for all contexts. instead, it treats each context as unique and one of a kind which cant be compared with other cases. this study is a postmethod-oriented one which investigates whether and how far t...

abstract u.s. attack to afghanistan after 9/11 provided opportunities for us who tried to become the dominant power after collapse of ussr and bipolar world. thinkers like fukuyama believed american liberal democrats thought would be universally accepted without resistances. liberal democracy is the best and final model of governance; in this regard, united state has moral responsibilities for...