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 aim of conducting this study was to investigate the foreign language learning needs of undergraduate economics students and business management students in faculties of social sciences of alzahra and azad naragh university. in the study, which was designed on the basis of a qualitative-quantitative basis using interviews and questionnaires, 146 female undergraduate business management as we...

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...

this study was an attempt to investigate and compare the effect of lexical inferencing and concept mapping on developing vocabulary retention of iranian language learners. sixty homogeneous students from different intact classes who were being taught as intermediate learners in sokhan english institute participated in this study. they were in different classes. a teacher made test as a pre-test...

this study investigates the effect of teacher’s repetition as an input enhancement technique in explicit teaching of vocabulary items on efl learners’ later retrieval. to this end, 66 persian speaking english learners, aged 18 - 29, homogenized through a standard proficiency test (opt), were chosen and put into two experimental and control groups, each 33 learners. general service list (gsl), a...

there is no doubt that human being needs to become integrated with industry and industry needs to be progressed, daily. on the other hand, serious events in industrial units specially in oil industries has been shown that such damages and events are industry related ones. the consequence of such events and damages which resulted in chemical and poisoned explosions and loss of life and property ...

in this investigation the effect of external field on the electron density of nanostructures of cds, cdse, cdte, gaas and polymeric structure of three, four, five and six units of cds as a kind of nanosolar cells has been studied theoretically. as modeling this system in nanodimension, molecular structures has used. specific properties of molecular structures permit us to consider different sym...

armenias geopolitics and its historical experience have had a determining impact on the character of its foreign policy .present-day armenia is a small, landlocked country with _11,620 square miles area armenias landlocked nature makes it dependent on the benevolence of its neighbors for access to the outside world a fact that gives it a sense of isolation and vulnerability. as it was indic...

this research was conducted to examine the effect of a concurrent training on rest level of leptin of plasma and some hormonal factors in non-athlete subjects. the research population included non-athlete men who didn’t participate in any organized sport activities. 30 men were chosen voluntarily among the above-mentioned population and were divided into 2 groups: experimental (15 subjects) an...

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...