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...

testing plays a vital role in any language teaching program. it allows teachers and stakeholders, including program administrators, parents, admissions officers and prospective employers to be assured that the learners are progressing according to an accepted standard (douglas, 2010). the problems currently facing language testers have both practical and theoretical implications but the first i...

according to coates’s (2004, as cited in zhang, 2010) definition of "conversational dominance" (p.111), it refers to the phenomenon of a speaker dominating others in interaction. specifically, it means how a speaker makes use of certain strategies to get the floor and maintain the floor. thus, the amount of talk is the main measurement for the dominance of the conversation. whether a speaker do...

today, information technology and computers are indispensable tools of any profession and translation technologies have become an indispensable part of translator’s workstation. with the increasing demands for high productivity and speed as well as consistency and with the rise of new demands for translation and localization, it is necessary for translators to be familiar with market demands an...

wireless sensor networks (wsns) are one of the most interesting consequences of innovations in different areas of technology including wireless and mobile communications, networking, and sensor design. these networks are considered as a class of wireless networks which are constructed by a set of sensors. a large number of applications have been proposed for wsns. besides having numerous applic...

a major concern in the last few years has been the fact that the cultural centers are keeping distance with what they have been established for and instead of reproducing the hegemony, they have turned into a place for resistance and reproduction of resistance against hegemony. because the cultural centers, as urban public spaces in the last two decades, have been the subject of ideological dis...

this research was conducted in two protect and destroy region in the middle zagros, in illam province. in order to identification of ecological species group and evaluate density of regeneration, effect of many factors such as protection, vegetation, physiographic factors, physical and chemical properties of soil in study locations were studied. to achieve these purpose number of 54 plots using...

1.0 overview it seems that grammar plays a crucial role in the area of second and foreign language learning and widely has been acknowledged in grammar research. in other words, teaching grammar is an issue which has attracted much attention to itself, and a lot of teachers argue about the existence of grammar in language teaching and learning. this issue will remind us a famous sentence f...

there are many approaches for solving variety combinatorial optimization problems (np-compelete) that devided to exact solutions and approximate solutions. exact methods can only be used for very small size instances due to their expontional search space. for real-world problems, we have to employ approximate methods such as evolutionary algorithms (eas) that find a near-optimal solution in a r...