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...

this study attempts to investigate the effect of peers’ revision in comparison to that of the teacher, and whether peers’ comments and teachers’ comments facilitate students’ revision? if yes, which one is more effective? also attempts have been made to see which aspects of language are more highlighted by peers versus teachers when commenting. besides, it is investigating the student’s attitud...

abstract the present study was conducted to examine the effect of proficiency on students interaction while carrying out the grammar-based task(s) in collaboration. in particular, the study examines whether the level of proficiency affects the learners’ focus of attention to grammatical and lexical features. the study takes a further step and examines whether there is any difference in the use...

within the components of communicative competence, a special emphasis is put on the “rules of politeness,” specifically the politeness strategies (brown and levinson, 1978) that speakers deploy when performing the request speech act. this is because the degree of imposition that making a request places upon one’s interlocutor(s) has been seen to be influenced by several factors among which, as ...

terms of address as an important linguistics items provide valuable information about the interlocutors, their relationship and their circumstances. this study was done to investigate the change route of persian address terms in the two recent centuries including three historical periods of qajar, pahlavi and after the islamic revolution. data were extracted from a corpus consisting 24 novels w...

abstract biometric access control is an automatic system that intelligently provides the access of special actions to predefined individuals. it may use one or more unique features of humans, like fingerprint, iris, gesture, 2d and 3d face images. 2d face image is one of the important features with useful and reliable information for recognition of individuals and systems based on this ...

the purpose of the present study was to investigate the relationship between fear of negative evaluation (fne) and communication strategies (css) among iranian efl learners. it was aimed to examine the differences in the use of communication strategies between speakers with high or low degree of fear of negative evaluation. the current study was a case study consisting of 10 english learners at...

the main purpose of the present study was to investigate the relationship between listening proficiency and metacognitive listening strategies awareness among low, mid, and highly self-regulated students. three hundred and seventy one efl students participated in this study (all grade 3 and 4 high-school students who were studying in khansar in academic year 1391-92). to gather the data, three ...

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...

the significance of the study of deixis was then mentioned. the purpose of the present study from the outset was to provide a comprehensive overview of all kinds of deixis in persian, describing and defining each in true while considering them structurally and semantically. chapter two consisted of two main parts. a review of the english studies in this respect, besides presenting persian liter...