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...

in this thesis,spin dependend transport and electron transport through of ng/sg(graphene/ superconductor graphen) are studied in the junction of ng/fgt/sg. due to andreev reflection conductance increases in the presence of superconductor graphene.also, by applying a voltage gate on a superconductor, fermi level shifts and the conductance is independent of ferromagnatic substrate. also, the cond...

‏‎the community dynamics of aquatic coleoptera(insecta)in one of the spring-stream habitats of bammo national park in fars province called cheshmeh-ye-ghanbari is studied as a pilot project and model for acquaintance with and furthering the biodiversity studies on fauna of iran. sixteen species-populations out of nineteen of this community were already identified for their taxonomy and for thei...

126 abstract: in this research we studied the effects of cyclic hydration and dehydration of cysts of artemia urmiana and artemia parthenogenetica on the hatching percentage, survival and growth. the experiment was carried out in 3 treatments (1-3 hydration/dehydration cycles) with 3 replicates for each treatment. later effects of cold preservation at -20°c during three time periods were ...

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 listening is a key and main tool in second language skill and its development is of prime concern to teachers and learners. furthermore, the application of technology in language classrooms has become more commonplace in the last fifty years. computer and the internet have made foreign language materials easy to access and use. so, the present study is an attempt to examine the effec...

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...

the effect of poss instruction in comparison with conventional instruction on development of esp learners’ parts of speech knowledge and attitude toward call.

the present paper deals with criminal issues. for example, legal injunction on the necessity of returning a deposit has a legal nature and legal injunction on the punishment of those who breach the trust has a criminal nature. existing social issues are the basis of classification of some instances into the issue, some of which are based on variation and others on quality. therefore, the motiva...

abstract this study aimed at investigating the effect of bilingual teaching of cognate words (persian-english) on iranian upper intermediate efl learners’ knowledge of lexical development. for this purpose,100 subjects participated in this study out of which 40 learners were selected for this study and they were assigned into two groups, control and experimental. cross-language cognates (wor...