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, ...

the purpose of this study was to find the relationship between critical thinking and self-regulation with reading comprehension of iranian female elementary language learners. the present study is a correlational one having a descriptive design. two questionnaires, critical thinking questionnaire and self-regulation questionnaire which were valid and reliable questionnaires and four reading com...

to teach english adequately, qualified teachers are needed. unfortunately, there are still teachers who are teaching english without an academic degree in tefl. it is necessary for teachers to have a major in english to have subject knowledge, but it is not sufficient. teachers need to have an understanding of the social, cultural, moral, ethical, and pedagogical issues of education and practic...

implicit and unobserved errors and vulnerabilities issues usually arise in cryptographic protocols and especially in authentication protocols. this may enable an attacker to make serious damages to the desired system, such as having the access to or changing secret documents, interfering in bank transactions, having access to users’ accounts, or may be having the control all over the syste...

the purpose of the present study was to investigate the effect of instruction through debate on male and female efl learners’ reading comprehension, to examine the differences between the performance of male and female participants on the five dimensions of cctst including analysis, evaluation, inference, deductive reasoning, and inductive reasoning, and to examine the differences between male ...

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...

abstract this study aimed at investigating the impact of etymology strategy instruction on the development of vocabulary of iranian intermediate efl learners. etymology, knowledge of origin of words, roots, and affixes, has proved to be a controversial issue and a question of long debate with regard to its impact on the process of vocabulary learning. this study employed etymology strategy in ...

‏‎this study investigated the effect of prior knowledge on the listening comprehension performance of fl learners. twenty students, male and female, drawn from the two intact groups of the senior and junior english language and literature majors were chosen as the participants of this study . the two groups were then randomly assigned into the experimental and control group. the experimental gr...

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...

the present study sought to investigate the impact of using mind-mapping technique instruction on female elementary efl learners reading comprehension; it also investigated their attitudes towards using mind-mapping technique as a tool to improve their reading comprehension. this study followed a quasi-experimental design with two intact groups as experimental, and control groups. the participa...