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, information technology and computers are indispensable tools of any profession and translation technologies have become an indispensable part of translator’s workstation. with the increasing demands for high productivity and speed as well as consistency and with the rise of new demands for translation and localization, it is necessary for translators to be familiar with market demands an...

cohesion is an indispensable linguistic feature in discourse analysis. lexicald such a differe cohesion and conjunction in particular as two crucial elements to textual cohesion and comprehension has been the focus of a wide range of studies up to now. yet the relationship between the open register and cohesive devices has not been thoroughly investigated in discourse studies. this study concen...

nowadays,tourism industry considered as one of the main sources of income of a country.unfortunately and despite of owning plenty of cultural historical and natural attractions, iran has not reached to a proper position in this field. besides, the historical cities of a country are considered as the income resource and national wealth of it. qazvin with a rich cultural precedent, have suitable ...

short story as an important literary genre in the recent decade is focused by many of young writers and literary critical with searching structure, content , artistic techniques and cognitive phenomenon of these works , we can show quantity of using some parts of storied literature from new literal techniques of the word and also we can show the usage of native, cultural and social foundation...

methodology non-native participants in this study were sixty ba students majoring in english literature and teaching english as a foreign language at khayyam university of mashhad. they were senior students, between 21 to 24 years old, who had studied english for at least three and a half years and had passed several courses including grammar, reading, conversation, and writing. this was assum...

peace and national security protection and ironic solving of international conflicts become the preliminary foundation of the united nations charter and had been considered as the main responsibilities of the security council, after world war ii and the establishment of united nations organization. therefore, the security council enables to analyze every kind of conflicts and challenges which ...

power transformers are important equipments in power systems. thus there is a large number of researches devoted of power transformers. however, there is still a demand for future investigations, especially in the field of diagnosis of transformer failures. in order to fulfill the demand, the first part reports a study case in which four main types of failures on the active part are investigate...

abstract:assume that y is a banach space such that r(y ) ? 2, where r(.) is garc?a-falset’s coefficient. and x is a banach space which can be continuously embedded in y . we prove that x can be renormed to satisfy the weak fixed point property (w-fpp). on the other hand, assume that k is a scattered compact topological space such that k(!) = ? ; and c(k) is the space of all real continuous ...

in this research we have studied the effect of some transition-metals (cu, ag and au) substitutions on two-electron reduction potential of flavins by application of dft method. all geometries have been optimized at blyp level of theory and “6-31+g** + lanl2dz” mixed basis set. the frequency job at the same method and basis sets has been performed to obtain gibbs free energy of compounds. it h...