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, ...

if the precise implementation of the principle of proportion and:balance between the violation and the penalty as well as the other dimensions could be considered as a stick yard for the imptementation of justice any lack of preciseness in carrying out such principle would not indeed be much too far from injustice . naturally ,if it would be imagined that the objective of balance between...

this study focuses on jane austens representation of her heroines in two of her novels: pride and prejudice, and mansfield park. i have concentrated only on a single idea: how jane austen takes her heroines through a course of psychogical reformation to which almost everything else in her novel is subsidiary. although i have discussed only pride and prejudice, we can trace austens carefully pla...

it is not possible to understand developments of a country’s culture and civilization without knowing his believes and myths. whether it is north or south, east or west, planes or mountains, sahara or deserts, here in iran every corner includes valuable and precious treasures which are known all over the world, and cultural – historical objects which are found here adorn all well known museums...

abstract the primary purpose of this study was to explore the actual practices and cognitions of two groups of iranian eap teachers, i.e. language teachers and content teachers, with respect to teaching reading-comprehension and vocabulary. to this end, tehran university of medical sciences which authorizes both groups of teachers to teach eap courses was selected as the context of the study s...

monumental changes occurring on a daily basis have altered the world into a global village of expanding technology and shrinking geography in which preparing language learners for intercultural communication seems to be a sine qua non for modern language education. employing a cross-sectional design in its first phase, this study investigated the intercultural sensitivity and language proficien...

abstract this study evaluates the iranian pre-university english textbook in terms of needs, objectives, content, and methodology. the study was designed on the qualitative- quantitative survey basis using interviews and questionnaires, a researcher-made textbook evaluation checklist and a needs analysis questionnaire. the textbook evaluation questionnaire was used in this study to elicit the ...

learning-oriented assessment seeks to emphasise that a fundamental purpose of assessment should be to promote learning. it mirrors formative assessment and assessment for learning processes. it can be defined as actions undertaken by teachers and / or students, which provide feedback for the improvement of teaching and learning. it also contrasts with equally important measurement-focused appro...

چکیده قاجارها و حکومت پهلوی اول علی بازوند موضوع انقراض سلسله قاجار و انتقال حکومت به پهلوی از رخدادهای مهم تاریخ معاصر ایران است . که در این پژوهش به چگونگی نقش و عملکرد دیوان سالاران ، شاهزادگان و رجال خاندان قاجاری در این انتقال قدرت و نحوه ی برخورد رضاشاه با قاجارها دردوران سلطنت به آن پرداخته شده است . برای پاسخ به این مسأله ، بررسی های انجام گرفته بیانگر آن است که مخالفت افراد قاج...

the issue of curriculum and syllabus evaluation and revision has been in center of attention right from when curriculum came into attention of educational institutions. thus everywhere in the world in educational institutions curricula and syllabi are evaluated and revised based on the goals, the needs, existing content, etc.. in iran any curriculum is designed in a committee of specialists and...