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, ...

bserved by many teachers that most of the time, mumbling and searching for their intended words, students complain why they have forgotten the words they have learned in the previous semesters. they ask for some new ways that may help them to recall and apply the learned words more efficiently, since as they declare one of the most important skills in foreign language learning is having a g...

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...

this research was conducted to examine the effect of a concurrent training on rest level of leptin of plasma and some hormonal factors in non-athlete subjects. the research population included non-athlete men who didn’t participate in any organized sport activities. 30 men were chosen voluntarily among the above-mentioned population and were divided into 2 groups: experimental (15 subjects) an...

abstract over the past two decades, applied linguists and language teachers have shown a great deal of interest in genre-centered approaches , mainly because of pedagogic concerns . this has been due to the need to help non-native readers enhance their ability to understand academic and scientific texts. following swales’ (1981) works on genre analysis, studies of different sections of resear...

in this thesis we will present three topics. we define approximate fixed points in fuzzy normed spaces. also we obtain some necessary and sufficient conditions on the existence of? -fixed points for ? > 0. at the continue some results about approximate fixed points for a class of non-expansive maps on g-metric spaces are obtained and we define approximate fixed points in partial metric spa...

abstract pragmatics is the study of communicative action in its sociocultural context. communicative action includes not only using speech acts (such as apologizing, complaining, complimenting, and requesting), but also engaging in different types of discourse and participating in speech events of varying length and complexity. the present study aimed to investigate the assessment of pragm...

abstract: since sugar consumption is directly related to diabetes and other illnesses such as obesity, the issue that will most heavily dominate the health food market is blood sugar management and low glycemic foods. using calcium chloride and gums such as sodium alginate and low ester pectin as thikener and a high-potency sweetener aspartame we were able to reduce sugar content of sour cherry...

abstract the main purpose of this study was to investigate whether there was any significant difference between the speaking achievement of learners who were trained by means of consciousness raising of sociolinguistic skills and that of learners who were trained without the above mentioned task. the participants of this study consist of 60 intermediate level students participating languag...