abstract: about 60% of total premium of insurance industry is pertained?to life policies in the world; while the life insurance total premium in iran is less than 6% of total premium in insurance industry in 2008 (sigma, no 3/2009). among the reasons that discourage the life insurance industry is the problem of adverse selection. adverse selection theory describes a situation where the inf...

the present thesis is going to investigate the theme of despair, darkness and pesimism in philip larkins poetry. larkin is a british poet whose poems were composed in the dark and gloomy years of postwar. so, his poetry contains and reflects the same darkness and despair of his age. a good number of poems form different collections of his poetry are chosen and will be analyzed in the light of t...

this thesis seeks to present a critical reading of virginia woolf’s mrs. dalloway and michael cunningham’s the hours in terms of an intertextual approach, concentrating on dialogic imagination, negativity, transposition and allusion. this study attempts to evaluate cunninghams perception of woolfs life and work by adopting kristevas conception of intertextuality and her consideration of the hou...

abstract lexical knowledge of complex english words is an important part of language skills and crucial for fluent language use (nation, 2001). the present study, thus, was an attempt to assess the role of morphological decomposition awareness as a vocabulary learning strategy on learners’ productive and receptive recall and recognition of complex english words. so 90 sophomores (female and ma...

to discuss my point, i have collected quite a number of articles, anthologies, and books about "wuthering heights" applying various ideas and theories to this fantastic story. hence, i have come to believe that gadamer and jauss are rightful when they claim that "the individaul human mind is the center and origin of all meaning," 3 that reading literature is a reader-oriented activity, that it ...

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, ...

abstract the cr(iii) and zn(ii) complexes with 2-((9,10-dihydro-1-hydroxy-9,10-dioxaanthracen-4-yloxy)carbonyl)benzoic acid as ligand have been prepared by reacting cr(no3) and zn(no3)2 and ligand in cloroform. the cr and zn complexes with 2-((9,10-dihydro-1-hydroxy-9,10-dioxaanthracen-4-yloxy)carbonyl) were also prepared in chloroform and aceton solutions. the uv-visible and ft-ir spectra of...

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...

reserches show that relationship between human and residential places is based upo both emotional and identity structures. in other words, habitat place is not only the creator of a part of humanistic identity but also form a kind of sentimental and emotional bond that may result in tendency to maintain closeness to a specific place. therefor, formaton of emotional and identity relationship wit...