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...

having conducted the experiment and analysed the data, the researcher computed the groups mean scores and variances for the test relating to the research question. as the final atep, a t-test was conodonted for the hypothesis. as noted earlier, the significance level was determined at .05 and .01 respectively. the observed t-value was higher than the critical t-value at. 5 and .01 levels. conse...

abstract: the present study was undertaken to investigate whether 1) there is any significant correlation between iranian efl/eap learners’ l2 writing proficiency and their willingness to communicate, 2) there is any significant difference between efl and eap learners in terms of willingness to communicate, 3) there is any significant difference in wtc of iranian efl/eap learners with 1- nati...

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...

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...

the present study was an attempt to conduct a contrastive analysis between general english (ge) and english for specific purposes (esp) texts in terms of cohesion and cohesive devices. to this end, thirty texts from different esp and ge textbooks were randomly selected. then they were analyzed manually to find the frequency of cohesive devices. cohesive devices include reference, substitution, ...

murder of wife during adultery: if a man sees his wifes adultery with another man, he can kill both of them. and he is not guilty in this murder. this sentence is the opinion of imami jurists and numerous comments on this issue are the main reasons for the sentence. that is the opinion of the sunni jurists too. murder of wife and the stranger man are permitted. but in contrast to these views, ...

the purpose of this study was to investigate the relationship between family functioning and marital adjustment humor couples are due to the nature and objectives of the research and application of methods for its implementation correlation was used. the study population consisted of all the couples in the city who uses random cluster sampling of 200 students were selected as sample. data from ...

the subjects of the study are only the tefl teachers and students at gilan university. to obtain the desired data, a questionnaire which was based on the theories and disecussions gathered, was used as the main data gathering instrument. to determine the degree of relationship between variables, covariance and pearson product moment correlation coefficient were the formulas applied. the data we...