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...

after the soviet union dissolution, a chaotic period was begun in the russia. russia lost its glory and felt disgrace. the first group of elites came to power under yeltsin; they tried to re-define russia’s identity as a european country and build a foreign policy on this baseline. therefore russia tried to become closer with the west especially with the u.s. according to their view the sovie...

the purpose of the research is to examine if integrating cooperative learning into vocabulary learning helps to increase word recognition of students in an elementary school in iran. it tries to investigate whether cooperative learning approach enables students to improve their language learning. this research used stad (students team achievement division) as a cooperative model in this study. ...

there is less published research about how teachers in efl contexts respond to students who are relatively less mature and less competent l2 writers. while writing researchers have examined various issues concerning peer and teacher response in writing-oriented classes, little research has centered on the effect of collaborative tasks particularly dictogloss on writing skills. output collaborat...

the purpose of this study was the relationship between problem – solvi ability with fdi cognitive style of students.the research method was correlation method. for data analysis pearson test was used. statistical society in this research was all the students of alligoodarz city in 1391-92 year.to sampling of statiscal population was used sampling multi-stage random the size of sample selected 2...

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...

abstract the first purpose of this study was to investigate the effect of consciousness-raising (c-r) activities on learning grammatical structures (simple present tense in this case) by iranian guidance school efl learners. the second one was to investigate the effect of gender on learning the simple present tense through c-r activities and tasks. finally, this study aimed to investigate the ...

nitric oxide (no) is a small molecule synthesized by most of mammalian cells with diverse biological activities including vasodilatation, host defense and wound healing. impaired wound healing is a common occurrence among diabetics and patients receiving glucocorticoid therapy. on the other hand the application of laser in biomedical area have been increased. thus, the current studies were desi...

the present study is paid to the evaluation of the welfare program of the unemployment insurance in iran. the main purpose which was the main reason for performing this thesis, was the unemployment insurance plan’s challenges in iran such as financial problems of this plan, prolongation of the credit receipt for some insured people, unemployment slow exiting from the unemployment insurance fund...