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, ...

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...

The Iranian textures in the Safavid era are associated with some phenomena such as symbolism and myth. These textures contain some motifs that indicate the beliefs and ideas of the Iranian people, and these motifs have preserved the concepts over time. The dragon is one of these symbolic motifs whose presence can be traced back to the oldest literary sources in Iran's history. Dragon is referre...

Historical cemeteries are a reflection of the culture and religion of the community in which they were formed. With the expansion of cities, most of these cemeteries have been abandoned in remote areas, outside the city or in unsuitable protected areas, and no trace of dynamics and currents of urban space can be seen in them. As these cemeteries are a valuable part of tangible and intangible he...

phatic communion is a cultural concept which differs across cultures. according to hofstede (2001), the u.s. tends to have individualistic culture; however, asian countries tend to have collectivistic cultures. these cultures view phatic communion differently. in individualistic cultures like u.s., phatic communion reflects speakers’ socio-cultural relationships in conversations. to see whether...