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 purpose of the present study is to find out whether bilinguals of khuzestan-arab origin or monolinguals of iranian origin code-switch during learning or speaking english and which group is more susceptible to code-switch. to this end, the students of 24 classes from high schools and pre- university centers were screened out, and interviewed and their voices and code-switchings were recorded...

the present research study attempted to find out the extent to which two pre-task activities of “glossary of unknown vocabulary items” and “content related support” assisted efl language learners with their performance on listening comprehension questions across two different proficiency levels (low and high). data for this study were obtained from a total of 120 language learners, female and m...

hydrochlorothiazide (hct) is a diuretic agent which is shown to be effective in the treatment of hypertension. literature reports have demonstrated that urinary excretion data may be used to assess the bioavailability of various formulations containing this thiazide. also hct consumption by the athletes is one of the drugs which should be regulated by world anti-doping agency (wada), because of...

this experimental study has been conducted to test the effect of oral presentation on the development of l2 learners grammar. but this oral presentation is not merely a deductive instruction of grammatical points, in this presentation two hypotheses of krashen (input and low filter hypotheses), stevicks viewpoints on grammar explanation and correction and widdowsons opinion on limited use of l1...

the main purpose of this study was to investigate any relationship between high school efl teachers metaphorical understandings of their role in class and their self-efficacy beliefs. teachers metaphors were elicited through two different prompts: one picturing what they believed a language teacher should be like in class, and the other demonstrating what they are actually like in class; such...

after the soviet union dissolution, a chaotic period was begun in the russia. russia lost its glory and felt disgrace. the first group of elites came to power under yeltsin; they tried to re-define russia’s identity as a european country and build a foreign policy on this baseline. therefore russia tried to become closer with the west especially with the u.s. according to their view the sovie...

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 ...

abstract this study examined the relationship between noticing pronunciation and the improvement pronunciation by administering a 50 item story, as proficiency- test in order to investigate the effectiveness of noticing pronunciation on the improvement of pronunciation. accordingly 60 qualified students were selected and assigned to the two groups of experimental and control randomly, each gr...

abstract: advertisements are the most accessible type of authentic materials, and this is one reason why they are used more and more in english teaching classes. for this cause, studies in the field of advertisements are very widespread nowadays. for pun is one aspect which makes advertisements more interesting, it is used more than before in advertisements. use of puns makes an advertisement m...