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, ...

in fact this study is concerned with the relationship between the variation in thematice structure and the comprehension of spoken language. so the study focused on the following questions: 1. is there any relationship between thematic structure and the comprehension of spoken language? 2. which of the themes would have greated thematic force and be easier for the subjects to comprehend? accord...

the following null hypothesis was proposed: h : there is no significant difference between the use of semantically or communicatively translates scientific texts. to test the null hypothesis, a number of procedures were taken first, two passages were selected form soyrcebooks of food and nutrition industry and gardening deciplines. each, in turn, was following by a number of comprehension quest...

this study was an attempt to investigate the effect of subtitling on vocabulary learning among iranian intermediate students. to find the homogeneity of the groups, tofel test was administered to student in kish mehr institute in garmsar. after analyzing the data, 60 participants (female students) who scored within the range of one standard deviation above and below the mean, were selected as h...

the methods which are used to analyze microstrip antennas, are divited into three categories: empirical methods, semi-empirical methods and full-wave analysis. empirical and semi-empirical methods are generally based on some fundamental simplifying assumptions about quality of surface current distribution and substrate thickness. thses simplificatioms cause low accuracy in field evaluation. ful...

This research was conducted to study the effect of natural and polyacrylamide-modified montmorillonite on the sorption of Cd from aqueous solutions. The sorption of Cd on the sorbents was studied as a function of pH (Cd concentration: 10 mg L-1) in the range of 4-8.5, and as a function of metal concentration (Cd concentration in the range of 1-10 mgL-1) using a 24h batch equilibration. Experime...

Humic substances are the most important organic fractions in soils and have affinity towards trace metals. In order to evaluate the effect of humic acid on zinc (Zn) sorption and desorption by soil,‌ a batch experiment was conducted with two soil samples which were different in clay and calcium carbonate contents. Three levels of humic acid (0,‌ 200, 500 mg/L) and various Zn concentrations (0 t...

this study examines the effetivenss of task-based activities in helping students learn english language structures for a better communication. initially, a michigan test was administered to the two groups of 52 students majoring in english at the allameh ghotb -e- ravandi university to ensure their homogeneity. the students scores on the grammar part of this test were also regarded as their pre...