abstract: about 60% of total premium of insurance industry is pertained?to life policies in the world; while the life insurance total premium in iran is less than 6% of total premium in insurance industry in 2008 (sigma, no 3/2009). among the reasons that discourage the life insurance industry is the problem of adverse selection. adverse selection theory describes a situation where the inf...

this study investigates the strategies native english and persian speakers employ for expressing gratitude in different situations. the strategies of persian efl learners are also compared with english strategies in order to find the differences that may exist between these two languages. social status and size of imposition of the favor are social variables which are investigated in detail for...

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 images of muslims in media, literature and politics have been mostly black and white portrayals of a people alien to modernity, civilization, rationality and pluralism. since the end of the cold war and the onset of deadly terrorist attacks in different areas of the world, especially in the united states, these representations show a palpable difference: muslims are represented not only as ...

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...

in the name of allah , the compassionate the merciful abstract shath ( blasphemic utterace made during spiritual ) is a complicated concept that deserves reflection in gnosticism and sufism ( mysticism ) and estem and westem scholars have alwaya paid attention to it. although principal essence of gnostic belief is the holy divine law ,gnosticism has pure and unique thoughts . by glancing at t...

abstract: proverbs are of the language materials which of the food of any language depends on the quality and quantity of these same materials. in the present research, the researcher tried to present the ramsarian proverbs according to four variables of color, fruit, plantsand animals that selected from the book of the members of each of these four variables, put them into the spss system fo...

nowadays, technical terminology translation plays an important role in human life. specific groups of people all over the world refer to learn these terminologies in order to be familiar with a subject and improve their knowledge in that domain. on the other hand, saving the technical translation equivalent is a particularly salient challenge for technical translators. the present study was con...