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 debate whether esp teachers need to have knowledge of the specialized field they are teaching has been an issue in the literature over the last two decades. the aim of conducting this study was to explore iranian learners’ and instructors’ beliefs and attitudes concerning the role of specialized knowledge in teaching esp classes. a seventeen item questionnaire was administered to 400 esp le...

abstract ion selective electrodes (ises) are electrochemical sensors that respond selectivity to the activity of ionic species. an ion-selective electrode is an electrochemical device that uses a thin selective membrane or film as the recognition element, and is an electrochemical half-cell equivalent to other half-cells of the zeroth (inert metal in a redox electrolyte). in common methods o...

the present study aimed at investigating the relationship between iranian efl teachers’ classroom management orientations and their teaching styles. additionally, the difference between male and female teachers’ teaching styles and classroom management orientations and their relationship with experience and age were explored. three hundred efl teachers filled in attitudes and beliefs on classro...

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...

Aloe vera is one of the medicinal plants, resistant to drought and high temperatures, that its gel has many applications in pharmaceutical, health and food industry. This experiment was conducted to determine the effects of salinity stress, caused by sodium chloride (NaCl) and calcium chloride (CaCl2), on leaf weight, gel content and ratio of some nutrients in Aloe vera, in Research G...

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...

چکیده به منظور بررسی اثر تنوع گیاهی و نوع منبع تغذیه ای بر تنوع و تراکم علفهای هرز و حشرات، کارایی مصرف نهاده ها ( نور، آب، عناصر غذایی) و عملکرد و خصوصیات کیفی چند گونه زراعی، آزمایشی به صورت کرتهای خردشده بر پایه طرح بلوکهای کامل تصادفی با سه تکرار در دو سال زراعی 1385-1384 و 1386-1385 در مزرعه تحقیقاتی دانشکده کشاورزی دانشگاه فردوسی مشهد به اجرا درآمد. تیمارهای مورد بررسی دو منبع کود دامی و...

apart from other aspects, desert is a natural environment and is one of the appealing terrestrial elements. putting its symbolic and fictional senses aside, the term “desert” bears mystic sense more than material sense. in addition to the worlds materialistic experiences, desert has attracted the attention of writers because it creates a kind of inner experience, which returns the individual in...