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, ...

this experimental study has been conducted to test the effect of oral presentation on the development of l2 learners grammar. but this oral presentation is not merely a deductive instruction of grammatical points, in this presentation two hypotheses of krashen (input and low filter hypotheses), stevicks viewpoints on grammar explanation and correction and widdowsons opinion on limited use of l1...

abstract: the present study is an attempt to find out cultural exophoric references in iranian high-school elt textbooks and touch stone series to compare the frequency of occurrence of such references in these books. the purpose is to find out which of the series of the books under investigation impose a greater referential burden on efl learners as far as their reading comprehension of the ...

this study was carried out to investigate the effects of integrative vs. instrumental motivation, learning strategy use and gender on iranian efl learners. to this end, 120 efl learners both male and female majoring in english language and literature at shiraz university participated in the study. in order to conduct this study three instruments were used: oxford quick placement test, motivatio...

nowadays, technical terminology translation plays an important role in human life. specific groups of people all over the world refer to learn these terminologies in order to be familiar with a subject and improve their knowledge in that domain. on the other hand, saving the technical translation equivalent is a particularly salient challenge for technical translators. the present study was con...

abstract listening is a key and main tool in second language skill and its development is of prime concern to teachers and learners. furthermore, the application of technology in language classrooms has become more commonplace in the last fifty years. computer and the internet have made foreign language materials easy to access and use. so, the present study is an attempt to examine the effec...

this study focuses on tracing the clearly defined elements of magic realism in toni morrison’s song of solomon as an illustrious african american example of the mode. magic realism is a fictional technique that combines fantasy with raw physical reality in a search for truth beyond that available from the surface of everyday life. toni morrison, as a distinguished african-american practitioner ...

abstract this study evaluates the iranian pre-university english textbook in terms of needs, objectives, content, and methodology. the study was designed on the qualitative- quantitative survey basis using interviews and questionnaires, a researcher-made textbook evaluation checklist and a needs analysis questionnaire. the textbook evaluation questionnaire was used in this study to elicit the ...

power transformers are important equipments in power systems. thus there is a large number of researches devoted of power transformers. however, there is still a demand for future investigations, especially in the field of diagnosis of transformer failures. in order to fulfill the demand, the first part reports a study case in which four main types of failures on the active part are investigate...

the author intend to by studying the historical causes of the appearance of the novation in the west and explanation of its legal nature from past to present of french law, proves on the one hand that the novation does not extracted from the french civil code and in the shiite jurisprudence with quite similar terms even before the enactment of iranian civil code, was considered by the shiite su...