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...

the present study is an attempt to investigate the potential impact of inspirational quotes on improving english abstract vocabulary recall. to achieve this goal, a multiple choice language proficiency test of 60 items including vocabulary and grammar component was administered to a sample of 63 second-semester male and female students whose age ranged between 17 to 22 and they were studying en...

the purpose of the present study was to see which one of the two instruction-processing instruction (pi) and meaningful output based instruction (mobi) accompanied with prompt and recast- is more effective on efl learners’ writing accuracy. in order to homogenize the participants in term of language proficiency a preliminary english test (pet) was administrated between 74 intermediate students ...

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...

chapters 1 and 2 establish the basic theory of amenability of topological groups and amenability of banach algebras. also we prove that. if g is a topological group, then r (wluc (g)) (resp. r (luc (g))) if and only if there exists a mean m on wluc (g) (resp. luc (g)) such that for every wluc (g) (resp. every luc (g)) and every element d of a dense subset d od g, m (r)m (f) holds. chapter 3 inv...

The purpose of this paper is to investigate the social, economic, and environmental effects of drought from the viewpoint of villagers, with the structural equation modeling approach. The purpose of this study is of applied research type, and is essentially a descriptive-correlation research. The population of the study, 1762 heads of households and sample size were determined according to Coch...

just as motivation is important in sla research, demotivation constitutes an important factor, too. there are many studies done on demotivation and burnout of teachers. many of these studies have been conducted on one or two aspects of english instruction. consequently, there are few studies which have been done on more than two aspects of english teaching. the aim of this study is to find out ...