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 study reference as one of the five cohesive devices in the achievement of textuality in english and persian narrative/descripitive written texts is focused on and analysed . to do so , the theoretical framework elaborated by halliday and hasan (1976) and its version adapted by the writer to match the sub-types of reference in farsi are applied to the analysis of reference in english and...

abstract recent studies suggest that prelistening activities play an important role in the development of listening comprehension (e.g. long 1990;chiang and dunkel 1992; schmidt-rinehart 1994; jensen and hansen 1995; robinson et al., 1995; buck, 1995; foster and skehan,1996; teng 1996; robinson, 2001; chang and read 2006). in line with previous studies and to shed light on a new aspect of sche...

abstract the influence of cation?? and anion?? interactions on the strength and nature of n…h hydrogen bond has been investigated by quantum chemical calculations in s-triazine…3hf complex. ab initio calculations were performed at mp2/6-311++g(d,p) level of theory. the natural bond orbital (nbo) analysis and the bader’s quantum theory of atoms in molecules (aim) were also used to elucidate t...

the following null hypothesis was proposed: there is no significant difference between the efl students listening comprehension development receiving pictorial cues and those receiving no cuse. to test the null hypothesis, 52 male and femal freshmen students of medicine studing at iran university of medical scinces were randomly selected from a total population of 72 students. to ensure that th...

abstract the primary purpose of this study was to explore the actual practices and cognitions of two groups of iranian eap teachers, i.e. language teachers and content teachers, with respect to teaching reading-comprehension and vocabulary. to this end, tehran university of medical sciences which authorizes both groups of teachers to teach eap courses was selected as the context of the study s...

this study investigates the relationship between field-related cognitive styles and global reading comprehension of hypertext. technically, field dependency is prevailing dominance of field on perception of parts, while global comprehension is skim-like reading to grasp the general content. in this research project, 60 senior and junior students of arak university majoring in english literature...

abstract due to the growing importance and influence of the self of the teacher in the field of educational and cognitive psychology, the current study intended to investigate the relationship between three teacher qualities and characteristics, i.e. teacher self efficacy, self regulation, and success as perceived by their learners. the study aimed at finding whether teacher self efficacy an...

language learning courseware has been receiving growing attention by english educators since its advent. a variety of softwares have been designed by software designers and resorted to by language educators to supplement language textbooks. this experimental study investigated how the application of computerized version of language textbooks and the reception of the entire course through comput...

abstract: mineral scaling in oil and gas production equipment is one of the most important problem that occurs while water injection and it has been recognized to be a major operational problem. the incompatibility between injected and formation waters may result in inorganic scale precipitation in the equipment and reservoir and then reduction of oil production rate and water injection rate. ...