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...

the aim of the present study was to investigate the frequency and the type of discourse markers used in the argumentative and expository writings of iranian efl learners and the differences between these text features in the two essay genres. the study also aimed at examining the influence of the use of discourse markers on the participants’ writing quality. to this end the discourse markers us...

this thesis attempts to measure learning styles, self efficacy and intrinsic motivation as predictors of iranian ielts reading comprehension. in order to address this issue, a quantitative study was conducted on some randomly selected intact students at ferdowsi university. these two groups were assigned as they were undergraduate (ba=91) and graduate (ma =74) students; they were all aged betwe...

regarding the ever evolving and improving world on different aspects of knowledge, the need to a worldwide communication would emerge stronger than ever before which calls for special attention on the judgments and best choices for intermediating between the nations. as the language skills for translation are tested separately from translation skills themselves, to assess translation skills pro...

the present study was an attempt to determine the types of motivation and levels of foreign language learning anxiety among efl students studying at azad and state universities in kermanshah and to determine the relationship between these two factors and language proficiency and gender. to this end, the foreign language learning motivation scale, by deci and ryan )1985(, were administered to 12...

چکیده «محکم و متشابه»، «نسخ» و «قرائات» از موضوعات مهم علوم قرآنی است. آیت الله معرفت در هر سه موضوع ضمن نقد دیدگاههای گذشته و رایج، به ارائه نظریاتی بدیع پرداخته اند. تعریف روشن از محکم و متشابه، تفاوت بین متشابه و مبهم، طبقه بندی تشابه به ذاتی و عرضی و ضابطه مند ساختن معانی تأویلی و باطنی، از جمله نوآوری های آیت الله معرفت در حوزه محکم و متشابه به شمار می رود. در موضوع نسخ، شاهد دو قرائت...

the main objective in sampling is to select a sample from a population in order to estimate some unknown population parameter, usually a total or a mean of some interesting variable. a simple way to take a sample of size n is to let all the possible samples have the same probability of being selected. this is called simple random sampling and then all units have the same probability of being ch...