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 this study examines the relationship between reading anxiety and difficulty of texts as well as the relationship between reading anxiety and students perceived difficulty of the texts. since difficulty is a relative concept, i limited its definition by sticking to the readability formula. we also took students perceived difficulty levels into account. therefore, in the present study, ...

the major aim of this study was to investigate the relationship between iq, eq and test format in the light of test fairness considerations. this study took this relationship into account to see if people with different eq and iq performed differently on different test formats. to this end, 90 advanced learners of english form college of ferdowsi university of mashhad were chosen. they were ask...

چکیده: پژوهش حاضر به بررسی تطبیقی اعتماد اجتماعی در بین دبیران زن و مرد مقطع راهنمایی شهر ایلام می پردازد. امروزه در جوامع شاهد گسترش ارتباطات هستیم و با توجه به این که دامنه کنش های اجتماعی از حد روابط با آشنایان و دوستان فراتر رفته و به تعامل با کنشگران غربیه و نا آشنا گسترش یافته است، لزوم وجود اعتماد، بیش از پیش احساس می شود. اما با توجه به نقش دبیران در نهادهای آموزشی، در انتقال ارزش ها و...

objective: the objective of this study was to investigate the invitro fluoride release of four new self-adhesive resin cements; set (sdi, australia), breeze (pentron, usa), embrace wetbond (pulpdent, usa), g-cem (gc, japan) and to assess the bonding performance of these self-adhesive resin cements for bonding of orthodontic brackets. materials and methods: for fluoride release experiment, six ...

with the introduction of communicative language teaching, a large number of studies have concerned with students’ oral participation in language classrooms. although the importance of classroom participation is evident, some language learners are unwilling to engage in oral activities. this passivity and unwillingness to participate in language classroom discussions is known as “reticence”. rev...

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...

among the low–dimensional allotropes of carbon, nanotubes and graphene have attracted very much attention from nano–science and nanotechnology specialists. they have been proposed as building blocks in nanometer device engineering. however, these structures are not defect–free. in this thesis, we focused on defective carbon nanotubes and graphene, and studied the effect of couple of very common...

the study reflected in this thesis aims at finding out relationships between critical thinking (ct), and the reading sections of tofel and ielts tests. the study tries to find any relationships between the ct ability of students and their performance on reading tests of tofel and academic ielts. however, no research has ever been conducted to investigate the relationship between ct and the read...

چکیده در بخش اول این پروژه دو روش میکرواستخخرا به نامهای میکرواسخخرا امولسیونی با کمک اموا فراصتتتو 1 و میکرواستتتخخرا مای – مای با کمک هوا 2 ، به عنوان دو روش میکرواستتتخخرا بدون حلال پخشکننده 3 ، برای اسخخرا برخی هیتدروکربتنهای آروماتیتک حلقوی 4 از نمونتههای آبتی بهکار گرفخه و پارامخرهای موثری همچون نوع حلال اسختتتتخرا کننده، حجم حلال اسخخرا کننده، میزان نمک، زمان تابش اموا فراصتو ، تددا...