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...

this study gives a rough notional method to find their textual placing and valuating in the text, narrows the board of vision to mystic items and finally lists the strategies used by the translators of mathnawi to present solutions for preserving the additional values. at last, as the sum-up, strategies in comparison would be presented. it should be noted that by extending the translations from...

feminine voice and narratology in wuthering heights wuthering heights as a general "bronte" work has extraordinary dimensions to it which can make it focal to different ways of interpretation. among other differences the issue of narrative voice is essential in understanding the ultimate purpose of wuthering heights. emily bronte uses different narrators from various focal points speaking of m...

the present dissertation aims to investigate four-word lexical bundles in applied linguistics research articles by iranian and internationally-published writers. the aims of this study are two-fold: first of all, attempts have been made to create a comprehensive list of the most commonly used four-word lexical bundles categorized by their type and token frequency, their structural characteristi...

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...

chapter one is devotod to collect some notion and background informations, which are needed in the next chapters. it also contains some important statements which will be proved in a more general context later in this thesis. in chapter two, we show that if the marginal factor-group is of order np1...pk,n>1, then we obtain a bound for the order of the verbal subgroup. also a bound for the bear-...

abstract nowadays, industries cannot play a crucial role in national and international competitions. the tourism industry is no exception. tourism industry development as the most important economic sector and income generation is one of the key challenges of economic development in the world. therefore, countries were successful that take advantage of the capabilities of tourism sector using ...

after the soviet union dissolution, a chaotic period was begun in the russia. russia lost its glory and felt disgrace. the first group of elites came to power under yeltsin; they tried to re-define russia’s identity as a european country and build a foreign policy on this baseline. therefore russia tried to become closer with the west especially with the u.s. according to their view the sovie...

most specialists in the field of foreign language teachingconsiderreading skill as an interactive process between the reader’s prior knowledge and the text.accordingly, the activation of prior knowledge for an effective comprehension is very important. it is generally agreed that the pre-reading phase is the stage where this type of interaction and activation may be enhanced throughcertain stra...

‏‎despite the different criticisms on contrastive analysis it has been proved that the results of it(when processed) can be useful in a tefl environment, specially at the level of phonology.this study is an attempt to compare and contrast the sound systems of kurdish and english for pedagogical aims.the consonants,vowels,stress and intonation of the two languages are described by the same model...