The presence of asymmetric information is an important source of efficiency loss for insurance companies and could reduce profitability. In this paper, we test the conditional independence of coverage choice and risk, where “conditional” means conditional on all variables observed by the insurer. We use two parametric methods: a pair of probits and a bivariate probit model. The data includes al...

abstract in a protocol analysis of second language writing from 20 adult english as a foreign language (efl) iranian students, this research observed how language-switching (l-s), i.e., first language use in l2 writing, was affected by l2 proficiency. switching interactively between first (l1) and second (l2) languages has been recognized as one of the salient characteristics of l2 writing....

this study aimed to investigate the effects of listening strategy training on iranian efl learners listening comprehension and use of such strategies. this work, employing an experimental methodology, was conducted among 60 adult efl learners from a language institute in isfahan, iran, as participants. the participants, who were selected based on the results of a placement test, were assigned t...

short story as an important literary genre in the recent decade is focused by many of young writers and literary critical with searching structure, content , artistic techniques and cognitive phenomenon of these works , we can show quantity of using some parts of storied literature from new literal techniques of the word and also we can show the usage of native, cultural and social foundation...

flow in natural river bends is a complex and turbulent phenomenon which affects the scour and sedimentations and causes an irregular bed topography on the bed. for the reason, the flow hydralics and the parameters which affect the flow to be studied and understand. in this study the effect of bed and wall roughness using the software fluent discussed in a sharp 90-degree flume bend with 40.3cm ...