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, ...

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...

in the new age, in regard to human success in education in the globalizing world, one can consider english proficiency and individual differences as two important issues. in efl settings, reading skill plays an important role in education. it seems that using multiple intelligences theory in efl classes which values individual differences by tapping different intelligences, can be rewarding. as...

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...

abstract present research considered to examine and compare shahrray 14 years girls and boys narrative concerning with their responsibilities in this research, statistical society are 14 years girls and boys of shahrry . for performing this research. first, 14 years of 50 boys and 50 girls were selected in accidental method and have filled memati hormaled adolescents responsibility questioner...

the application of e-learning systems - as one of the solutions to the issue of anywhere and anytime learning – is increasingly spreading in the area of education. content management - one of the most important parts of any e-learning system- is in the concern of tutors and teachers through which they can obtain means and paths to achieve the goals of the course and learning objectives. e-learn...

hedging is a multi-purpose rhetorical strategy which is usually used in scientific arguments to secure ratification of claims, reduce the risk of negation, avoid conflict, manage disagreement and leave room for the audience to assess presented information. hedges are frequently used in research articles to mitigate the findings of research endeavors. the present research aims to investigate the...

abstract listening is a key and main tool in second language skill and its development is of prime concern to teachers and learners. furthermore, the application of technology in language classrooms has become more commonplace in the last fifty years. computer and the internet have made foreign language materials easy to access and use. so, the present study is an attempt to examine the effec...

In order to evaluate grain yield potential and study dry matter remobilization to seed, 8 commercial bread wheat cultivars were examined in two separate experiments, using randomized complete block design with 4 replications in 2003. There were significant differences for most traits in normal and drought conditions. Sarday variety had the least grain yield in the two environments. There was c...