insurers have in the past few decades faced longevity risks - the risk that annuitants survive more than expected - and therefore need a new approach to manage this new risk. in this dissertation we survey methods that hedge longevity risks. these methods use securitization to manage risk, so using modern financial and insurance pricing models, especially wang transform and actuarial concepts, ...

abstract:‎ literature is said beautiful words of poetry or prose that excites reader’s or listener’s feel. certainly, to ‎be effective, such a text should have certain characteristics. the four elements of the literature: thought, ‎imagination, emotion and style make a text to be literary and effective. emotion and imagination are ‎specific elements of literary texts, while thought and style a...

چکیده اهمیت اشیاء در نگاه انسان از آغاز پیدایش در زندگی جریان داشته و تاکنون نیز ادامه دارد. ساخت اشیاء از انواع کاربردی و آئینی آغاز و تا انواع الکترونیکی آن به همزیستی مسالمت آمیزی با انسان منتهی گشته است. حال اینکه این همزیستی در هر دوره ای از تاریخ چگونه خودنمایی می کند از اهمیت بسیاری برخوردار است.این رساله به بررسی موقعیت شی از جنبه های زیبایی شناسی، هویت مداری، نمادگرایی، جامعه شناسی ...

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...

asymmetric polyethersulfone (pes) microfiltration flat sheet membranes were composed by the phase inversion method (pim) and were used as supports. composite membranes were fabricated by coating silicone rubber as selective layer. effect of different concentrations of pes and pdms and different solvent such as nmp, dmf and dms effects as pes solvents and support thickness and different coagulat...

a novel acrylic acid-functionalized fe3o4 magnetic nanoparticle with a core-shell structure was developed for utilization as a heterogeneous organosuperacid in chemical transformations. the structural, surface, and magnetic characteristics of the nanosized catalyst were investigated by various techniques such as transmission electron microscopy (tem), thermogravimetric analysis (tga), and ft-ir...

this study was designed to investigate the impacts of teachers self-disclosure on students foreign language classroom anxiety, attitude to english language learning and their achievement scores at the end of the term. there were 48 female learners of intermediate level. they were not randomly selected. there were one experimental group with 21 students and one control group with 27 students.the...

this thesis aims at putting together two of the vestest areas of study there is in humanities: bioethics and literature. the two novels in question, oryx and crake and the year of the flood, are considered as some of the most succssful examples of spculative fiction. in these novels the biological and environmental issues raised as looked at from a bioethics point of view.

the debate whether esp teachers need to have knowledge of the specialized field they are teaching has been an issue in the literature over the last two decades. the aim of conducting this study was to explore iranian learners’ and instructors’ beliefs and attitudes concerning the role of specialized knowledge in teaching esp classes. a seventeen item questionnaire was administered to 400 esp le...

with the growth of more humanistic approaches towards teaching foreign languages, more emphasis has been put on learners’ feelings, emotions and individual differences. one of the issues in teaching and learning english as a foreign language is demotivation. the purpose of this study was to investigate the relationship between the components of language learning strategies, optimism, duration o...