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 current study examined iranian undergraduate efl students’ willingness to communicate with regard to their vocabulary knowledge. in general, participants were somewhat willing to communicate in english. the total mean score of 730 university students’ perception of willing to communicate was 83.53 out of 135. results, regarding four parts of willingness to communicate, revealed that part...

rested on sociocultural theory (sct), this study attempted to examine the effect of written corrective feedback (wcf) followed by producing written languaging on developing writing accuracy over new tasks. to this aim, two intact iranian efl classes at the low-intermediate level were randomly assigned to two experimental groups: direct (n = 25) and indirect (n = 25). both groups wrote on a numb...

in the present work, a simple and sensitive method was developed for determination of morphine and heroin using gold nanoparticles as resonance rayleigh scattering (rrs) and colorimetric technique’s probe. synthesized gold nanoparticles by sodium citrate reduction method have a negative charge layer on their surfaces because of self-assembled citrate anions on their surface. binding of morphin...

The present exposition was designed to evaluate blood serum changes in tiger grouper, Epinephelus fuscoguttatus in response to changes in water temperature and salinity. Uniformly sized fingerlings were randomly distributed into different groups at fifteen fish per tank, in two replicates. Each group represented experimental fishes subjected to water temperatures of 18, 24, 28 and 30°C (control...

the present paper deals with criminal issues. for example, legal injunction on the necessity of returning a deposit has a legal nature and legal injunction on the punishment of those who breach the trust has a criminal nature. existing social issues are the basis of classification of some instances into the issue, some of which are based on variation and others on quality. therefore, the motiva...

esl/efl books play a crucial role in shaping language learners worldview of gender roles in society. the present study investigated the status of sexism in two sets of efl textbooks, one developed by non-native iranian authors (ili series) and the other by native authors (top notch series). first, two books from each series was selected randomly. then, a quantitative analysis was carried out wi...

plagiarism in esl/efl learning contexts has been established as a dynamic and multi-layered phenomenon and has become a topic engaging many researchers in a heated debate in recent years. comparisons of student-generated texts with their source texts have shown that students rely on source texts in their writings and copying is a major strategy used by both l1 and l2 writers. in our country a...

the purpose of the present study was to investigate the effect of instruction through debate on male and female efl learners’ reading comprehension, to examine the differences between the performance of male and female participants on the five dimensions of cctst including analysis, evaluation, inference, deductive reasoning, and inductive reasoning, and to examine the differences between male ...