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...

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...

to teach english adequately, qualified teachers are needed. unfortunately, there are still teachers who are teaching english without an academic degree in tefl. it is necessary for teachers to have a major in english to have subject knowledge, but it is not sufficient. teachers need to have an understanding of the social, cultural, moral, ethical, and pedagogical issues of education and practic...

these days, all department stores make an effort to provide their clients with valuable products in order to project the best image for them. as a result, clients’ comprehension risk will decrease and they will be more willing to repurchase. having a good image is really important for the department stores because it makes an impression on clients’ comprehension of both quality and risk. consid...

toury (1978:200) believes that translation is a kind of activity which inevitably involves at least two languages and two cultural traditions. being polite while asking for something takes place differently in different cultures and languages, therefore various strategies may be applied for making requests and also translation of them in order not to disturb or threaten the face or better to sa...

abstract: mineral scaling in oil and gas production equipment is one of the most important problem that occurs while water injection and it has been recognized to be a major operational problem. the incompatibility between injected and formation waters may result in inorganic scale precipitation in the equipment and reservoir and then reduction of oil production rate and water injection rate. ...

the following null hypothesis was proposed: h : there is no significant difference between the use of semantically or communicatively translates scientific texts. to test the null hypothesis, a number of procedures were taken first, two passages were selected form soyrcebooks of food and nutrition industry and gardening deciplines. each, in turn, was following by a number of comprehension quest...

just as motivation is important in sla research, demotivation constitutes an important factor, too. there are many studies done on demotivation and burnout of teachers. many of these studies have been conducted on one or two aspects of english instruction. consequently, there are few studies which have been done on more than two aspects of english teaching. the aim of this study is to find out ...

the caspian sea contains great resources of oil and gas. the caspian sea is a 700- mile- long body of water in central asia, land located between azerbaijan, iran, kazakhstan, russia and turkmenistan. iran was challenges and opportunities in the caspian region. key question in this thesis includes three section that first question, opportunities of iran in the caspian region, second question ch...

the treatment of in completely formed pulpless teeth has presented considrable problems. these teeth have wide open apexes and the walls of the root canal diverge toward the apical tissues. mechanical preparation cannot be done in the normal manner beacause of the large initial size and the taper of apical part of the canal , a mechanical stop cannot be produced at the apex of the canal and , t...