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, ...

testing plays a vital role in any language teaching program. it allows teachers and stakeholders, including program administrators, parents, admissions officers and prospective employers to be assured that the learners are progressing according to an accepted standard (douglas, 2010). the problems currently facing language testers have both practical and theoretical implications but the first i...

these days, all department stores make an effort to provide their clients with valuable products in order to project the best image for them. as a result, clients’ comprehension risk will decrease and they will be more willing to repurchase. having a good image is really important for the department stores because it makes an impression on clients’ comprehension of both quality and risk. consid...

the skill of reading in english as a foreign language is an important and challenging one which is affected both by linguistic and extra linguistic factors. since vocabularies are part and parcel of every reading comprehension text, knowing enough vocabulary always facilitates this process. however, guessing strategy as one of the most important strategies has consistently ignored by language l...

an investigation into oral interaction in language classes: a conversation analytic point of view the aim of this thesis is to analyze the interaction between language teachers and students in english language institutes. this work is done in the context of yasuj city. learning another language, which is in most cases english, involves many variables. one of these variables is the linguistic...

the poor orientation of the restaurants toward the information technology has yet many unsolved issues in regards to the customers. one of these problems which lead the appeal list of later, and have a negative impact on the prestige of the restaurant is the case when the later does not respond on time to the customers’ needs, and which causes their dissatisfaction. this issue is really sensiti...

this thesis attempts to study the representations of the third-world intellectuals in three fictional works by the british-educated trinidadian nobel-winner v. s. naipaul: the mimic men, a bend in the river, and magic seeds. the first one recounts the story of ralph singh’s sense of alienation, his experiences as a colonial politician, and his struggle to give order to his disorderly world thro...

abstract this study aimed at investigating the translation of interjections from english into persian in dubbing. to carry out this study the expressive secondary interjections found in the film four weddings and a funeral and their equivalent in persian dubbed version were analyzed through the strategies proposed by cuenca. the descriptive analysis of the corpus showed that (strategy b) i.e...

after test and review results and analysis of farm data, the following results were obtained. the review examined farms was done and the results obtained in this study was to determine the effectiveness of vaccines hatchpak avinew (frozen) and hatchpak ib h120 with spray in broilers a day in factories incubation and at least,they can be as vaccines avinew and bioral h120 ability to create saf...

as the canon is shaped by white male standards rewriting the canonical works of literature is one of the ways through which postcolonial writers subvert the authority of the masters. writing in the language of the masters the colonized writers use the very suppressive tool in the hands of the masters i.e. their language to question the validity of their norms. regarded by most critics to be the...