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 purpose of the present study was to investigate the latent pattern underlying reading ability . some 272 male and female participants. english majors at the ba level , participated in the study. two valid tests were used in this study, the reading test developed exclusively for the purpose of this project and academic reading section of ielts. to investigate the possible latent underlying...

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...

abstract biometric access control is an automatic system that intelligently provides the access of special actions to predefined individuals. it may use one or more unique features of humans, like fingerprint, iris, gesture, 2d and 3d face images. 2d face image is one of the important features with useful and reliable information for recognition of individuals and systems based on this ...

the purpose of this study was to investigate how english language teachers in mashhad who teach students in the pre-university cycle perceived the impact of the efltee on their teaching. the target population was nearly all pre-university english language teachers in seven districts of mashhad in the scholastic year 2008/2009. a survey questionnaire which consisted of (36) likert type items, wa...

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...

bekenstein and hawking by introducing temperature and every black hole has entropy and using the first law of thermodynamic for black holes showed that this entropy changes with the event horizon surface. bekenstein and hawking entropy equation is valid for the black holes obeying einstein general relativity theory. however, from one side einstein relativity in some cases fails to explain expe...

vocabulary as a major component of language learning has been the object of numerous studies each of which has its own contribution to the field. finding the best way of learning the words deeply and extensively is the common objective of most of those studies. however, one effective way for achieving this goal is somehow neglected in the field. using a variety of activities such as games can r...

worship is submission and humitility with believe to divinity in fornt of god. in jewish religion ,worship is submission of the god inall the ordes and devosion tohim .worshio is not only so widely in islam and jew and does not include pray and fast and etc but also is every action that human does with divine intention and to content him. worship has huge and excellent rank in qoran and old te...

abstract there is not much sources about ancient carnival and ceremonies , but some information can be gain from documents . as a matter of fact the ceremonies were a part of zarartiyan principles which zartosht had taken them to his religion . it should be mentioned that the oldest ceremonies are about poster and agriculture principles this seasonal ceremonies were very important for agri...