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:‎ literature is said beautiful words of poetry or prose that excites reader’s or listener’s feel. certainly, to ‎be effective, such a text should have certain characteristics. the four elements of the literature: thought, ‎imagination, emotion and style make a text to be literary and effective. emotion and imagination are ‎specific elements of literary texts, while thought and style a...

چکیده اهمیت اشیاء در نگاه انسان از آغاز پیدایش در زندگی جریان داشته و تاکنون نیز ادامه دارد. ساخت اشیاء از انواع کاربردی و آئینی آغاز و تا انواع الکترونیکی آن به همزیستی مسالمت آمیزی با انسان منتهی گشته است. حال اینکه این همزیستی در هر دوره ای از تاریخ چگونه خودنمایی می کند از اهمیت بسیاری برخوردار است.این رساله به بررسی موقعیت شی از جنبه های زیبایی شناسی، هویت مداری، نمادگرایی، جامعه شناسی ...

The geometric ornaments are considered as a kind of decorating that has been used mostly in the Islamic art, alone and sometimes in conjunction with other motifs or inscriptions. The plaster altars made between 12th and the mid-14th centuries towards the Seljuk and Ilkhanid dynasties, are also considered as the works that have been decorated using various plant decorations and inscriptions, as ...

in one pole of the continuum of language learning, theoreticians and practitioners traditionally consider english as english as a second language or english as a foreign language. however, in the other pole of this continuum where english is thought of as the most effective tool for international communication, it is referred to as a lingua franca. those who favor an approach to english growing...

asymmetric polyethersulfone (pes) microfiltration flat sheet membranes were composed by the phase inversion method (pim) and were used as supports. composite membranes were fabricated by coating silicone rubber as selective layer. effect of different concentrations of pes and pdms and different solvent such as nmp, dmf and dms effects as pes solvents and support thickness and different coagulat...

this study was designed to investigate the impacts of teachers self-disclosure on students foreign language classroom anxiety, attitude to english language learning and their achievement scores at the end of the term. there were 48 female learners of intermediate level. they were not randomly selected. there were one experimental group with 21 students and one control group with 27 students.the...

this thesis aims at putting together two of the vestest areas of study there is in humanities: bioethics and literature. the two novels in question, oryx and crake and the year of the flood, are considered as some of the most succssful examples of spculative fiction. in these novels the biological and environmental issues raised as looked at from a bioethics point of view.

due to extraordinary large amount of information and daily sharp increasing claimant for ui benefits and because of serious constraint of financial barriers, the importance of handling fraud detection in order to discover, control and predict fraudulent claims is inevitable. we use the most appropriate data mining methodology, methods, techniques and tools to extract knowledge or insights from ...

abstract the problems caused by the traditional system of criminal justice (which are based on remuneration and rehabilitation) such as, lack of attention to victim’s rights and position and society, underlie the emergence of restorative justice which had the victim-centered perspective, with respect to the role of the offender and participation of civil society. meanwhile, criminal mediation ...