S. B. Hussin

The purpose of this study was twofold: (1) to examine the kinds of strategies that ESL learners used when dealing with CALL exercises, the types of CALL exercises and the subject areas that are perceived to be helpful to learners, and (2) to determine what differences, if any, e…

The main economic security programs in Malaysia are life insurance and the Employees Provident Fund. Life insurers, apart from providing financial protection against the risks of premature death, illness and disability, and loss of income in old age, have served as important acc…