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 study is paid to the evaluation of the welfare program of the unemployment insurance in iran. the main purpose which was the main reason for performing this thesis, was the unemployment insurance plan’s challenges in iran such as financial problems of this plan, prolongation of the credit receipt for some insured people, unemployment slow exiting from the unemployment insurance fund...

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...

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...

abstract although music possesses some kind of power and using it has been welcome by many students in language classrooms, it seems that they take a non-serious image of the lesson while listening to songs and they may think that it is a matter of fun. the main objective of the present study was to investigate whether learning a foreign language through musical texts (songs) can have an impac...

?it is of utmost priority for an experienced teacher to train the mind of the students, and enable them to think critically and correctly. the most important question here is that how to develop such a crucial ability? this study examines a new way to the development of critical thinking utilizing critical discourse analytical tools. to attain this goal, two classes of senior english la...

the main purpose of this study was to investigate any relationship between high school efl teachers metaphorical understandings of their role in class and their self-efficacy beliefs. teachers metaphors were elicited through two different prompts: one picturing what they believed a language teacher should be like in class, and the other demonstrating what they are actually like in class; such...

abstract this study examined the relationship between noticing pronunciation and the improvement pronunciation by administering a 50 item story, as proficiency- test in order to investigate the effectiveness of noticing pronunciation on the improvement of pronunciation. accordingly 60 qualified students were selected and assigned to the two groups of experimental and control randomly, each gr...

‘romanticism’ and ‘romantic’ are among the most controversial terms in literature. most readers, when encountering these words, would think of the well-known period of romanticism of the first three decades of the nineteenth century and the great six english poets known as ‘the big six’ of this period. however, romanticism does not belong to certain artists in a special period; one may seek ele...

cement is an essential ingredient in the concrete buildings. for production of cement considerable amount of fossil fuel and electrical energy is consumed. on the other hand for generating one tone of portland cement, nearly one ton of carbon dioxide is released. it shows that 7 percent of the total released carbon dioxide in the world relates to the cement industry. considering ecological issu...