it is definitely necessary to understand the concept and behavior of causation of life insurance policies and its determinants for insurance managers, regulators, and customers. for insurance managers, the profitability and liquidity of insurers can be increasingly influenced by the number of causation through costs, adverse selection, and cash surrender values. therefore, causation is a materi...

as far as bandura’s (1977) conceptualization of the sense of self-efficacy is concerned, it is argued to be context- and even task-specific, compared to other concepts like self-esteem (brown, 2000); therefore, upon the previous research studies, related theories and definitions, and the ideas and views obtained from the interviews conducted with the scholars, the current research study aimed a...

flow in natural river bends is a complex and turbulent phenomenon which affects the scour and sedimentations and causes an irregular bed topography on the bed. for the reason, the flow hydralics and the parameters which affect the flow to be studied and understand. in this study the effect of bed and wall roughness using the software fluent discussed in a sharp 90-degree flume bend with 40.3cm ...

the purpose of this study was to investigate the effect of task repetition on accuracy of iranian efl learners ’speaking ability. in order to achieve this purpose, a null hypothesis was developed: there is no statistically significant difference between accuracy speaking ability in iranian efl learners by use of task repetition. ; of course i should mention that, beside this null hypothesis, an...

uncertainty in the financial market will be driven by underlying brownian motions, while the assets are assumed to be general stochastic processes adapted to the filtration of the brownian motions. the goal of this study is to calculate the accumulated wealth in order to optimize the expected terminal value using a suitable utility function. this thesis introduced the lim-wong’s benchmark fun...

most specialists in the field of foreign language teachingconsiderreading skill as an interactive process between the reader’s prior knowledge and the text.accordingly, the activation of prior knowledge for an effective comprehension is very important. it is generally agreed that the pre-reading phase is the stage where this type of interaction and activation may be enhanced throughcertain stra...

short story as an important literary genre in the recent decade is focused by many of young writers and literary critical with searching structure, content , artistic techniques and cognitive phenomenon of these works , we can show quantity of using some parts of storied literature from new literal techniques of the word and also we can show the usage of native, cultural and social foundation...

this study compared the different effects of form-focused guided planning vs. meaning-focused guided planning on iranian pre-intermediate students’ task performance. the study lasted for three weeks and concentrated on eight english structures. forty five pre-intermediate iranian students were randomly assigned to three groups of guided planning focus-on-form group (gpfg), guided planning focus...

this thesis is an evaluation of poetry of sylvia plath (1932- 1963) and forough farrokhzad (1935-1967) using feminist approach and finds the positive concepts of hope, reason and strength through feminine images in their poetry. plath and farrokhzad are from different cultures and different countries but they share the same concepts and themes in their poetry. by applying feminist theory to the...

fluorescence chemical sensors for the highly sensitive and selective determination of pb2+ , hg2+, co2+ and fe3+ ions in aqueous solutions are described. the ion sensing system was prepared by incorporating lipophilic ligand (l) as a neutral ion-selective fluoroionophore in the plasticized pvc membrane containing sodium tetraphenylborate or potasium tetrakis (p-chlorophenyl) borate as a liphoph...