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...

dynamic assessment according to vygotskys sociocultural theory, states that instruction and assessment are interrelated. using static forms of assessment with second and foreign language students could do more harm than good. many teachers neglect to take account of the complexity involved in learning a second or foreign language and often wonder why learning of a language take so long. thi...

the thesis has been arranged into five chapters and mainly concerned with the baer-invariant of groups which is the generalization of the schur-multiplier with respect to the variety of groups. chapter one is devoted to collect some notation and background information which are needed in the next chapters. its also contains some important statements which will be generalized in this thesis. cha...

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...

this is an original study on the effect of a polyisobutylene – polydimethylsiloxane (pibpdms) block copolymer modifier used as an interfacial active agent on the dynamics behaviour of single newtonian drops suspended in a polyisobutylene (pib) newtonian matrix. the results were divided in two sections. the first part included the experiments carried out on the non-modified and 2% block cop...

هدف تحقیق حاضر بررسی تاثیر نشانه های فرا گفتمان متنی بر فهم متون انگلیسی به وسیله ی زبان اموزان فارسی زبان است.این تحقیق علاوه بر این کوشیده است تا میزان اگاهی این زبان اموزان و نحوه ی تعامل انان را با متون خوانده شده در زبان انگلیسی به وسیله ی پرسش نامه ی تهیه شده بررسی کند.بر اساس محتوای یک متن انگلیسی یازده سوال درست /غلط طرح گردید و یک مرتبه با ان متن و یک مرتبه با نسخه ای که نشانه ها...

the author intend to by studying the historical causes of the appearance of the novation in the west and explanation of its legal nature from past to present of french law, proves on the one hand that the novation does not extracted from the french civil code and in the shiite jurisprudence with quite similar terms even before the enactment of iranian civil code, was considered by the shiite su...

the main purpose of this study was to investigate any relationship between high school efl teachers metaphorical understandings of their role in class and their self-efficacy beliefs. teachers metaphors were elicited through two different prompts: one picturing what they believed a language teacher should be like in class, and the other demonstrating what they are actually like in class; such...