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...

nanotechnology is a general term which is related with field of all advanced science term that generally predicates with all modern technologies which consider nanoscales. improvement in the quality of products by adding some nanoparticles and study of their behavior in the presence of these nanoparticles have been obtained in many researches. on the other hand numerous demands for sowing ...

terms of address as an important linguistics items provide valuable information about the interlocutors, their relationship and their circumstances. this study was done to investigate the change route of persian address terms in the two recent centuries including three historical periods of qajar, pahlavi and after the islamic revolution. data were extracted from a corpus consisting 24 novels w...

abstract this study aimed at investigating the impact of etymology strategy instruction on the development of vocabulary of iranian intermediate efl learners. etymology, knowledge of origin of words, roots, and affixes, has proved to be a controversial issue and a question of long debate with regard to its impact on the process of vocabulary learning. this study employed etymology strategy in ...

abstract foreign and iranian cultures are far distinct in the constraints imposed on writing and translating for children, since the iranian literary system is mainly concerned with cultural and religious instructions which lead to manipulation of translated texts. this study sought to identify the cultural and social constraints and norms which determined the strategies applied in the transl...

teachers’ beliefs greatly influence their performance in the classroom, their choice of instructional strategies, their way of controlling the class, their dealing with the students, and their general goals and objectives. one of these beliefs is teachers’ sense of efficacy which is viewed as an important construct and has shown to be positively correlated with students’ achievement (ross, 1992...

burnout is a response to the chronic work stress which is prevalent mostly among the people who do people job, like teaching. the purpose of this study was to develop a valid and reliable instrument that can measure burnout in foreign language teachers. although some widely used instruments were developed before which measured burnout in teachers, a specific instrument which include specific sy...

abstract venlafaxine, 1–[2–(dimethylamino)–1–(4–methoxyphenyl) ethyl]cyclohexanol hydrochloride is a novel non-tricyclic antidepressant. venlafaxine is a second generation antidepressant drug, has a neuropharmacologic profile distinct from that of existing antidepressants including tricyclic compounds, selective serotonin reuptake inhibitors and monoamine oxidase inhibitors. venlafaxine impart...

one of the applications of nanotechnology is use of carbon nanotubes for the targeted delivery of drug molecules. to demonstrate the physical and chemical properties of biomolecules and identify new material of drug properties, the interaction of carbon nanotubes (cnts) with biomolecules is a subject of many investigations. cnts is a synthetic compound with extraordinary mechanical, thermal, el...

now-a-days graphic design plays a major role in influencing culture, society, business, and customers, in such a way that one could look upon every individual as a potential customer. graphic designers seek to identify customers needs and find an intelligent solution for them. correct identification and understanding of those needs is the first step towards achieving ones goals. marketing knowh...