it is definitely necessary to understand the concept and behavior of causation of life insurance policies and its determinants for insurance managers, regulators, and customers. for insurance managers, the profitability and liquidity of insurers can be increasingly influenced by the number of causation through costs, adverse selection, and cash surrender values. therefore, causation is a materi...

abstract: the present study is an attempt to find out cultural exophoric references in iranian high-school elt textbooks and touch stone series to compare the frequency of occurrence of such references in these books. the purpose is to find out which of the series of the books under investigation impose a greater referential burden on efl learners as far as their reading comprehension of the ...

as far as bandura’s (1977) conceptualization of the sense of self-efficacy is concerned, it is argued to be context- and even task-specific, compared to other concepts like self-esteem (brown, 2000); therefore, upon the previous research studies, related theories and definitions, and the ideas and views obtained from the interviews conducted with the scholars, the current research study aimed a...

the purpose of this study was to investigate how english language teachers in mashhad who teach students in the pre-university cycle perceived the impact of the efltee on their teaching. the target population was nearly all pre-university english language teachers in seven districts of mashhad in the scholastic year 2008/2009. a survey questionnaire which consisted of (36) likert type items, wa...

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...

ii abstract the legend of human being’s refulgence was distorted completely in the age of modernity. this new age, had some drastic negative effects, besides its positive qualities. one significant negative effect of it was the emergence of neurosis in human beings. aldous huxley’s brave new world was one of the novels of the 02 th century that contained the prophecy of criticizing ...

in this thesis, structural, electronical, and optical properties of inverse pervskite(ca3pbo) in cubic phase have been investigated.the calculation have been done based on density functional theory and according to generalized gradiant approximate (gga) as correlating potential. in order to calculate the configurations, implementing in the wien2k code have been used from 2013 version. first of ...

writing as a productive skill requires practice in the basic sub-skills of vocabulary and grammar. in fact, grammar has been viewed as the core of programs in writing classes to help the students put the elements of sentence together and combine sentences of specific lengths to come up with an error-free work of art. conceptualizing l2 writing in this way introduces writing as a product and enc...