it is definitely necessary to understand the concept and behavior of causation of life insurance policies and its determinants for insurance managers, regulators, and customers. for insurance managers, the profitability and liquidity of insurers can be increasingly influenced by the number of causation through costs, adverse selection, and cash surrender values. therefore, causation is a materi...

the primary goal of the current project was to examine the effect of three different treatments, namely, models with explicit instruction, models with implicit instruction, and models alone on differences between the three groups of subjects in the use of the elements of argument structures in terms of toulmins (2003) model (i.e., claim, data, counterargument claim, counterargument data, rebutt...

In order to evaluate relationship between Different traits in lentils (lens culinaris Medik), a field study was conducted as an RCBD based design with 3 replications on Zanjan University Research Farm during spring of the year 2004. ANOVA analysis revealed significant differences for all characters except for the number of primery branches. Correlation analysis indicated positive and significan...

anxiety is one common disorder during childhood. in curing anxiety disorders, there are different types of psychological remedies, pharmotherapy, family therapy, and music therapy that can improve the individual’s anxiety, but we need some other remedies to improve social and emotional relationship and interactions. considering the importance of curing the anxiety disorders, the effect of sand ...

 The purpose of this research has been to estimate the effects of internal organizational factors (such as Loan, Number of employees, Number of branches, payment variation coefficient, branch Location and Facilities) on banking deposits in Mellat Bank. To this aim, panel data, obtained from 51 sample branches in Tehran, during the years 1999, 2000 and 2001 are used. In order to control and redu...

Mint is an important medicinal herb that is cultivated in different parts of the world. In order to investigate the effects of salinity stress on morphological characteristics of spearmint (Mentha spicata L.), an experiment was conducted in 2013, based on complete randomized design, under hydroponic conditions, at Research Greenhouse of Faculty of Agriculture, Ferdowsi University of Mashhad, Ir...

In order to evaluate relationship between Different traits in lentils (lens culinaris Medik), a field study was conducted as an RCBD based design with 3 replications on Zanjan University Research Farm during spring of the year 2004. ANOVA analysis revealed significant differences for all characters except for the number of primery branches. Correlation analysis indicated positive and significan...

monumental changes occurring on a daily basis have altered the world into a global village of expanding technology and shrinking geography in which preparing language learners for intercultural communication seems to be a sine qua non for modern language education. employing a cross-sectional design in its first phase, this study investigated the intercultural sensitivity and language proficien...

this study attempts to investigate the effect of peers’ revision in comparison to that of the teacher, and whether peers’ comments and teachers’ comments facilitate students’ revision? if yes, which one is more effective? also attempts have been made to see which aspects of language are more highlighted by peers versus teachers when commenting. besides, it is investigating the student’s attitud...