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...

nowadays enhancing critical thinking in learners is considered one of the foreign language teachers’ tasks due to its high position in foreign language classrooms. when it comes to selecting materials for language classrooms, there are obviously some criteria that teachers should apply. the present study aimed at a critical thinking based analysis of ten picture story books and ten folktales th...

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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...

introduction acetic acid bacteria are large group of obligate aerobic gram negative bacteria with the ability to oxidize ethanol to acetic acid (1). they are widely distributed in natural habitats and classified in family acetobacteraceae. members of this family are useful in industrial production of vinegar(2). acetic acid bacteria (aab) can use substrates as glucose, ethanol, lactate or glyc...

the primary goal of the current project was to examine the effect of three different treatments, namely, models with explicit instruction, models with implicit instruction, and models alone on differences between the three groups of subjects in the use of the elements of argument structures in terms of toulmins (2003) model (i.e., claim, data, counterargument claim, counterargument data, rebutt...

the purpose of this study is to investigate and explore the causes of identity crisis as one of the debilitating consequences of colonial project after the withdrawal of colonial power. in order to do justice to the full-length severity of displacement that was the fruit of indentureship, v. s. naipauls west indian epic, a house for mr biswas, has been scrutinized with the main focus being the ...