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, ...

acknowledge the importance of e-commerce to their countries and to survival of their businesses and in creating and encouraging an atmosphere for the wide adoption and success of e-commerce in the long term. the investment for implementing e-commerce in the public sector is one of the areas which is focused in government‘s action plan for cross-disciplinary it development and e-readiness in go...

abstract this quasi-experimental study was aimed at examining the impact of storyline complexity on the grammatical accuracy and complexity of advanced and intermediate efl learners. a total of 65 advanced and intermediate efl learners were selected from iran language institute (ili). an intact group including 35 intermediate participants and another intact group with 30 advanced participants ...

flow in natural river bends is a complex and turbulent phenomenon which affects the scour and sedimentations and causes an irregular bed topography on the bed. for the reason, the flow hydralics and the parameters which affect the flow to be studied and understand. in this study the effect of bed and wall roughness using the software fluent discussed in a sharp 90-degree flume bend with 40.3cm ...

since the modern art is chosen to discuss, it means a wide expansion of art courses are affected by modernism that enter to the new realms. because of expanded subject, lack of sources and also the close relationship between painting and animation, this thesis emphasizes on the painting and it is recommended to use the phrase “modern painting” instead of modern art (which is more general). thi...

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 ...

abstract nowadays, industries cannot play a crucial role in national and international competitions. the tourism industry is no exception. tourism industry development as the most important economic sector and income generation is one of the key challenges of economic development in the world. therefore, countries were successful that take advantage of the capabilities of tourism sector using ...

nowadays, the development of anti cancer drugs is an important subject in pharmacology. bisphosphonates (b.p) are a great choice for design and production of the types of drugs which not only could perform as anti cancer agents but also could inhibit the function of acetyl cholinesterase (ache). ache hydrolyzes the acetylcholine (which is a neurotransmitter in nervous system) using the oh in i...

abstract: research purpose: the purpose of this research is to identify academic databases assessment factors and criteria at law and political science majors. the necessity of this research is to distinguish academic databases assessment factors and criteria and to identify the most important ones and rank them in order to select an appropriate database according to students’ and faculty memb...

the changes in todays world organization, to the extent that instability can be characterized with the most stable organizations called this afternoon. if you ever change management component, an additional value to the organization was considered, today, these elements become the foundation the organization is survival. the definition of the entrepreneur to identify opportunities to exploit a...