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...

different researchers in different parts of the world have investigated the strategies used to translate written works ranging from novels to classroom assignments. however, by the significant increase in the number of postgraduate students in iran in the last few years, a very common kind of translation in iran includes translating abstracts of master’s theses. in this work, the researcher hav...

learning a second or foreign language requires the manipulation of four main skills, namely, listening, reading, speaking, and writing which lead to effective communication. it is obvious that vocabulary is an indispensible part of any communication, so without a vocabulary, no meaningful communication can take place and meaningful communication relies heavily on vocabulary. one fundamental fac...

phatic communion is a cultural concept which differs across cultures. according to hofstede (2001), the u.s. tends to have individualistic culture; however, asian countries tend to have collectivistic cultures. these cultures view phatic communion differently. in individualistic cultures like u.s., phatic communion reflects speakers’ socio-cultural relationships in conversations. to see whether...

چکیده روش های متعددی برای برآورد رواناب حاصل از بارش در حوضه های آبریز وجود دارد. یکی از این روش ها استفاده از مدل های هیدرولوژیکی است. با استفاده از مدل های هیدرولوژیکی و شبیه سازی فرآیندهای هیدرولوژیکی می توان با صرف کمترین زمان و هزینه، رواناب و مولفه های دیگر چرخ? هیدرولوژیکی را برآورد کرد. از آنجا که در حوضه های آبریز اندازه گیری تمام کمیت های مورد نیاز برای تحلیل رواناب ممکن نیست، انتخاب...

cultural iran is a scope that is more extended than the political territories of iran as a political unit. this concept means that cultural geography(mehdi moghanlo-1383-1) of iran is greater than its political geography which, according to history, has a long history extending west-east from kandahar to the euphrates and north-south from the persian gulf to the caucasus including transoxiana a...

boron nitride semiconducting zigzag swcnt, $b_{cb}$$n_{cn}$$c_{1-cb-cn}$, as a potential candidate for making nanoelectronic devices was examined. in contrast to the previous dft calculations, wherein just one boron and nitrogen doping configuration have been considered, here for the average over all possible configurations, density of states (dos) was calculated in terms of boron and nitrogen ...

iv abstract this study examined the linguistic behaviors of two iranian efl teachers each of them teaching learners of two similar proficiency levels, a beginner level and an intermediate level, to investigate the relationship between the learners proficiency levels and the amounts and purposes for l1 use by the two teachers. the study was carried out to investigate whether there were differe...

the purpose of this study is to investigate the relationships between teachers’ immediacy behaviors and iranian students’ willingness to talk in english classes. analysis of the results from willingness to talk scale represents a relatively high level of willingness to talk in english classrooms among iranian language learners. the total mean score of students’ willingness to talk was 66.3 ou...

rested on sociocultural theory (sct), this study attempted to examine the effect of written corrective feedback (wcf) followed by producing written languaging on developing writing accuracy over new tasks. to this aim, two intact iranian efl classes at the low-intermediate level were randomly assigned to two experimental groups: direct (n = 25) and indirect (n = 25). both groups wrote on a numb...