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, ...

چکیده معضل چاقی به عنوان عارضه ای جدی برای زندگی بی تحرک و ماشینی، مورد توجه اغلب مراکز بهداشتی و درمانی دنیا قرار گرفته است. چاقی عامل زمینه ساز و در واقع عامل خطری برای بروز بیماری های قلبی - عروقی است که عموماً با کاهش طول عمر مورد انتظار و افزایش بیماری همراه است. هدف پژوهش حاضر تأثیر 12 هفته تمرینات ویبریشن کل بدن، تمرینات هوازی و تمرینات ترکیبی( هوازی و ویبریشن کل بدن) بر ترکیب بدنی زنان ...

a professional is someone whose work involves performing a certain function with some degree of expertise. but a narrower definition limits the term to apply to people such as teachers and doctors, whose expertise involves not only skill and knowledge but also the exercise of highly sophisticated judgment, and whose accreditation necessitates extensive study, often university-based as well as p...

abstract this study investigated the predictability of variables from a motivational framework as well as individuals qualities to predict three non-linguistic outcomes of language learning. gardners socio-educational model with its measures has been used in the current study. individual qualities presented in this study include (1) age, (2) gender, and (3) language learning experience. the...

drought is transient phenomenon , slow , repetitive and integral part of the climate of each region. drought begins with a substantial reduction in precipitation over the long-term average rainfall and over time, reduced soil moisture and surface and ground water resources will continue to decrease. this phenomenon is the most important in bakhtegan basin because of its importance in strategic ...

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...