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, ...

adolescents and young adults and their problems is an issue whose importance is obvious to anyone because youth are the founders of our countrys future and requires proper planning to be on leisure. given the importance of leisure,this study to investigate needs assessment and planning how adolescents and young adults spend their leisure time in urban of case study of high school girls and boys...

with the growth of more humanistic approaches towards teaching foreign languages, more emphasis has been put on learners’ feelings, emotions and individual differences. one of the issues in teaching and learning english as a foreign language is demotivation. the purpose of this study was to investigate the relationship between the components of language learning strategies, optimism, duration o...

according to cheng (1999), in recent esl/efl literature, asian (especially east asian) learners of english as a foreign/second language have been arguably reported as reticent and passive learners. the most common allegations are that these students are reluctant to participate in classroom discourse; they are unwilling to give responses; they do not ask questions; and they are passive and over...

1.0 overview it seems that grammar plays a crucial role in the area of second and foreign language learning and widely has been acknowledged in grammar research. in other words, teaching grammar is an issue which has attracted much attention to itself, and a lot of teachers argue about the existence of grammar in language teaching and learning. this issue will remind us a famous sentence f...

the current thesis is composed in five chapters in the following fashion: chapter two encompasses the applied framework of the project in details; the methodology of carl gustav jung to explain the process of individuation, the major archetypes and their attributes and his techniques to assess the mind’s strata are all explained. moreover, the austrian psychoanalysts, heinz kohut’s models of a...

ii abstract the legend of human being’s refulgence was distorted completely in the age of modernity. this new age, had some drastic negative effects, besides its positive qualities. one significant negative effect of it was the emergence of neurosis in human beings. aldous huxley’s brave new world was one of the novels of the 02 th century that contained the prophecy of criticizing ...

nowadays, air pollution is a global problem that has had significant growth by technology development, population growth andindustrial development. industrial development brought natural resources deterioration, more manufacturing products, and more environmental pollutants. if pollutant won’t be controlled, human-being and wildlife will face the critical risks. significant release and critical...

reserches show that relationship between human and residential places is based upo both emotional and identity structures. in other words, habitat place is not only the creator of a part of humanistic identity but also form a kind of sentimental and emotional bond that may result in tendency to maintain closeness to a specific place. therefor, formaton of emotional and identity relationship wit...

abstract abstract of thesis (includes summary, goals, execution methods, and results) story “al-obnosat al-bayza” is one of the short stories from “hanna mineh” collection. this story is a selection of lives of some humans during a voyage together, each of them is a symbol of human nature (love, mind, kindness) and examine social, cultural, and political aspects of governing system, and it...