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 the purpose of this study was to find out the effect of applying the principles of group-dynamic assessment (g-da) on learning of conditional structures in english by iranian efl learners at the intermediate level, which according to the formal educational system in iran, includes students who are in their second year of studying in high schools of koohdasht city. this study was a qua...

increasing academic and professional language demands around the world are not a deniable fact. the purpose of this study was to investigate english language needs and communication needs of the chemistry students at master and ph.d. levels at the iranian universities. in this research, different methods were used including un-structured interview, structured interview, and two sets of question...

esl/efl books play a crucial role in shaping language learners worldview of gender roles in society. the present study investigated the status of sexism in two sets of efl textbooks, one developed by non-native iranian authors (ili series) and the other by native authors (top notch series). first, two books from each series was selected randomly. then, a quantitative analysis was carried out wi...

assigning premium to the insurance contract in iran mostly has based on some old rules have been authorized by government, in such a situation predicting premium by analyzing database and it’s characteristics will be definitely such a big mistake. therefore the most beneficial information one can gathered from these data is the amount of loss happens during one contract to predicting insurance ...

since the 1960s the age effects on learning both first and second language have been explored by many linguists and applied linguists (e.g lennerberg, 1967; schachter, 1996; long, 1990) and the existence of critical period for language acquisition was found to be a common ground of all these studies. in spite of some common findings, some issues about the impacts of age on acquiring a second or...

writing as a productive skill requires practice in the basic sub-skills of vocabulary and grammar. in fact, grammar has been viewed as the core of programs in writing classes to help the students put the elements of sentence together and combine sentences of specific lengths to come up with an error-free work of art. conceptualizing l2 writing in this way introduces writing as a product and enc...

this study was conducted to investigate the impact of podcasts as a learning and teaching tool on iranian efl learners’ motivation for listening as well as on their listening comprehension ability. the study also investigated the learners’ perception towards listening to podcasts and examined whether the learners were likely to accept podcasts. out of fifty-five intermediate learners studying e...

this study aimed to investigate the effects of listening strategy training on iranian efl learners listening comprehension and use of such strategies. this work, employing an experimental methodology, was conducted among 60 adult efl learners from a language institute in isfahan, iran, as participants. the participants, who were selected based on the results of a placement test, were assigned t...

the skill of reading in english as a foreign language is an important and challenging one which is affected both by linguistic and extra linguistic factors. since vocabularies are part and parcel of every reading comprehension text, knowing enough vocabulary always facilitates this process. however, guessing strategy as one of the most important strategies has consistently ignored by language l...