USD Football 1997

TIAA-CREF.

Proven

Solutions

To Last

a Lifetime.

In a world where dual-income

families are the norm, computers

have highways, and health

care is a crisis, just getting by

has gotten pretty complicated.

TIAA-CREF can help, with smart

investment programs, insurance

coverage, and personal savings

plans tailored not just to your

budget, but to the hectic world

you live in. For more complete

information, including charges

and expenses, call 1 800 226-0147

for your free Personal Investing

Kit. It contains our variable

annuity prospectuses. Please

read them carefully before

you invest or send money.

TIAA-CREF Financial services

exclusively for people in

education and research.

www.tiaa-cref.org

Ensuring the future for those who shape it.'"