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...

recent studies in scientific education as well as foreign and second language instruction suggest that thinking has rarely been an integral part of education and training in classroom. some scholars decried the lack of emphasis on thinking in the institutes and schools. they noted that memorization and drills were rewarded,while inquiry, reflection, and consideration of alternatives were frowne...

within communicative, interactive, and learner-centered framework of language teaching and learning, students need to learn four skills of listening, speaking, reading, and writing for their educational success. but of all the language skills, reading enjoys a paramount significance in so many second or foreign language academic contexts. in spite of its importance, language learners still have...

abstract over the past two decades, applied linguists and language teachers have shown a great deal of interest in genre-centered approaches , mainly because of pedagogic concerns . this has been due to the need to help non-native readers enhance their ability to understand academic and scientific texts. following swales’ (1981) works on genre analysis, studies of different sections of resear...

if the precise implementation of the principle of proportion and:balance between the violation and the penalty as well as the other dimensions could be considered as a stick yard for the imptementation of justice any lack of preciseness in carrying out such principle would not indeed be much too far from injustice . naturally ,if it would be imagined that the objective of balance between...

the issue of curriculum and syllabus evaluation and revision has been in center of attention right from when curriculum came into attention of educational institutions. thus everywhere in the world in educational institutions curricula and syllabi are evaluated and revised based on the goals, the needs, existing content, etc.. in iran any curriculum is designed in a committee of specialists and...

this study purported to compare and contrast the use of self-mention and evidentials as two mtadiscourse features in opinion columns of persian and english newspapers. the theoretical basis of this study is the idea that metadiscourse features vary across cultural boundaries. for this purpose, 150 persian and 150 english opinion columns were collected based on three factors of topic, audience a...

abstract: research purpose: the purpose of this research is to identify academic databases assessment factors and criteria at law and political science majors. the necessity of this research is to distinguish academic databases assessment factors and criteria and to identify the most important ones and rank them in order to select an appropriate database according to students’ and faculty memb...

the present study is an experimental case study which investigates the impacts, if any, of skopos on syntactic features of the target text. two test groups each consisting of 10 ma students translated a set of sentences selected from advertising texts in the operative and informative mode. the resulting target texts were then statistically analyzed in terms of the number of words, phrases, si...

sange siyah dam is located two kilometers down the kabod khani village. the environ of ghorrve city in kurdestan province. this is an clay core dam. in this dam instrumentation is performed in three section and consist of electrical piezometers, total pressure cells, settlement cells and so on. the main objective of instrumentation is to control the behavior of dam body and foundation, end else...