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 investigated the effects of planning on second-language written production with regard to task type. the participants were 75 iranian learners of english as a foreign language attending a private foreign language institution. they were asked to complete two different types of writing tasks (expository writing task and argumentative writing task) in different planned conditions (indiv...

a phase-locked loop (pll) based frequency synthesizer is an important circuit that is used in many applications, especially in communication systems such as ethernet receivers, disk drive read/write channels, digital mobile receivers, high-speed memory interfaces, system clock recovery and wireless communication system. other than requiring good signal purity such as low phase noise and low spu...

abstract the present study deals with a comparison between reactive and pre-emptive focus-on-form in terms of application and efficiency. it was conducted in an intermediate english class in shahroud. 15 male learners participated in this research and their age ranged from 18 to 25. a course book, new interchange 3, and a complementary book were used. every session the learners gave lectures o...

due to extraordinary large amount of information and daily sharp increasing claimant for ui benefits and because of serious constraint of financial barriers, the importance of handling fraud detection in order to discover, control and predict fraudulent claims is inevitable. we use the most appropriate data mining methodology, methods, techniques and tools to extract knowledge or insights from ...

in one pole of the continuum of language learning, theoreticians and practitioners traditionally consider english as english as a second language or english as a foreign language. however, in the other pole of this continuum where english is thought of as the most effective tool for international communication, it is referred to as a lingua franca. those who favor an approach to english growing...

nowadays enhancing critical thinking in learners is considered one of the foreign language teachers’ tasks due to its high position in foreign language classrooms. when it comes to selecting materials for language classrooms, there are obviously some criteria that teachers should apply. the present study aimed at a critical thinking based analysis of ten picture story books and ten folktales th...

heteropoly acids (hpa) and their salts have advantages as catalysts which make them both economically and environmentally attractive, strong br?nsted acidity, exhibiting fast reversible multi-electron redox transformations under rather mild conditions, very high solubility in polar solvents, fairly high thermal stability in the solid states, and efficient oxidizing ability, so that they are imp...

target tracking is the tracking of an object in an image sequence. target tracking in image sequence consists of two different parts: 1- moving target detection 2- tracking of moving target. in some of the tracking algorithms these two parts are combined as a single algorithm. the main goal in this thesis is to provide a new framework for effective tracking of different kinds of moving target...

this study purported to compare and contrast the use of self-mention and evidentials as two mtadiscourse features in opinion columns of persian and english newspapers. the theoretical basis of this study is the idea that metadiscourse features vary across cultural boundaries. for this purpose, 150 persian and 150 english opinion columns were collected based on three factors of topic, audience a...