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CCMV WEUKMSl NOVEMBER 3*4*5 i WEEKEND MM WUfifEMOO.5 ww ^ w m www m v i * ?^: L.UIII Jll'ljlti"]^"'" >' i niA j LX Qi Li fc I ' I lllll r J I | rf i ? \rf?] J ill / .1 JSLk i Hk,i i Ik t M ^ > . * f 1 ?? JPfe-a' ?' mm i< ^^Kkilj^ii p< 1 ,11: ^ llil?<?f?lt [hi .iiSB* IIBIMiWMlp^^Hi ? iil^^li^^^^^BR|ini9 IKM U IrncTi^^Bli m- ?jWUjttU^|B|K. < ? ! ---.,,,, * 8^1mi^ul|K %k P^StfiiHiilBfllRKi^^Bk fj? 1 iCTTTWTJiT,! 1 "fc l^lttSlliMU&SAAiiiS^^^^^^& li^^^^^^^^HliBHiiMmiMHP :: MN|nMBw *Hk*. I^ki^'.fAIB ii l?i>Ii?t?1 *Hnri11k1 . _, I H v - f^^^^^^^^^M^MfiTTlfliffininiTVllP" HBp||l|PB|HI^B 6,-, \.r^t40EI*nnZiSSil^-' t Y' N RECENTLY. MORNINGSTAR CALLED US CHEAP. IT'S NOT EVERY DAY YOU GET A COMPLIMENT LIKE THAT. All financial companies charge operating fees fees aside from a very modest operating expense k and expenses ? some more than others. Of of 1/4 of 1% of annuity assets. Interest and divicourse, the lower the expenses you pay, the bet- dends are reported after all operating costs have ter. That way more of your money goes where it been deducted. Standard & Poor's calls TIAA's 1 11 . J L u: C?.-L1_ r..x? ?" 1?,? "* snouia?towaras ouiiuing a corinui iciuic iuiuic. tuaia Of course, expenses are only one factor to We make low expenses a high priority. consider when you make an investment decision. While we're committed to keeping our expenses Because of our size and our exclusive focus down, we spare nothing in striving to provide on serving the needs of educational and research top-quality investment choices, financial expercommunities, TIAA-CREF's costs are among the tise, and personal service. Because that can make lowest in the insurance and mutual fund indus- a difference in the long run, too. tries.1 In fact, Morningstar, Inc. -one of the TIAA-CREF seeks performance, not profit. nation's leading sources of variable annuity and mutual fund information ? says, "Size isn't a con- At TIAA-CREF, we believe people would straint; it...enables CREF to realize a remarkable like to spend more on retirement, not oij their economy of scale."2 According to Morningstar s retirement company. If you'd like to see how data, CREF's "minuscule" 0.31% average fund our approach can help keep more of your money expense charge was less than half that charged working for you, call us at 1 800 842-2776 (8 by comparable funds.3 a.m. to 1 1 p.m. ET, weekdays). We'd consider it TIAA's traditional annuity also charges no a compliment. jHEEJ Ensuring the future for those who shape it. 1. Standard e* Ptwrs huutrance Rating AnalyoL*, 1995; Lippcr Analytical Services, Inc., Lipper-Directors Analytical Data, 1995 (Quarterly). 2. Source: Morningstar, Variable Annuities/Life 4/12/95. 3. Of the 2,358 variable annuity funds tracked by Morningstar, the average fund had annual expenses of 0.78% plus an insurance expense of 1.24%. Source: Morningstar, Inc., for periods ending July 31, 1995. 4. Standard c">'Pt*or's Insurance Rating Analy,*i*, 1995. TIAA-CREF expenses are subject to change and are not guaranteed for the future. CREF is a variable annuity and its returns are not guaranteed. The value of your investment can go up or down, no matter what expense levels arc. CREF certificates arc distributed by TIAA-CREF Individual and Institutional Services. For more complete information, including charges and expenses, call 1 800 842-2773, extension 5509, for a prospectus. Read the prospectus carefully before you invest or send money. Date of first use: 7195. 7 ik ? -A DCS J Thursday, November 2,1995 Mixed Media Jack Ohman % \\ ...Now PLAYING a \ h& ) defense lawyer On ,rmurder one" m?ct?~.s ! I... ?111 ^1 Suburban Cowgirls Janet Alfieri and Ed Colley C AMD THE BAP FAIRV STOOD TWILL BECOME FIRST LAW I OVER THE CRAPLE AMP SAID"' / AWP BE CQNSTAMTLY SLAMMEP ^ J Y $}$/ -~A\ 1 1 If fffl. I C1995 Tribune Media Services. Inc. (Wty /!-x yrsjj VOL X > V t I fjf If I ? All Rights Reserved. Calvin and Hobbes Bill Waterson LOOK.' GEESE TWICE. A VEAR THEX MIGRATE I'LL BET \ TOU DoNT SEE FUONG SOUTH U-t?r* ^ THOUSANDS OF MILES ACRDS5 THAT GETS ME KEEPING FOP. THE / THE CONTINENT IN AM ~ OLD REAL / A SUMMER WINTER. EXHAUSTING, ETERNAL >? FAST" / HOME. ^STRUGGLE TO FULFILL I ^ J ^ ^ ^ i TrY^ i ^5 (?\_ ? c 1 i <T7 1 | * BON GEMWjS TO \ ILL TAKE TUE \ IXSM \HVJSVAM FANSED TERROR, COME IN/ YiALVClfc-TALKIE. OOREM.' DO NOO README ? OVER / ^ Mother Goose & Grimm Mike Peters [PtijfflQ [CflOfiW) ' Crossword across n [2 [3 p p Hp p p p Hir-m-pr-pr1 Stationery 6 Complaint 14 10 Harte, the - M.. 19 author 14 Large mammal, 20 ^^121 l22? briefly 15 Roof feature 23~~ 24 bbss 16 Light wine _JB m 17 Certain 28 architecture 18 Arboreal abode 31 32 20 Large birds = 39 Hi 21 "? o'clock scholar" 41 42 22 Devoured H 23 Emptied 45 47 I r\ r~ \/ _ . ,*U <;o tuuiii i i | i ???| . 26 Founded: abbr |^HHBH48 Hp9 50 51 52 53 27 Strips Hi Hi Hi 31 Cap 54 55 56 HP? 34 Extravagantly 59 JH emotional 37 Director Kazan jjj; WM 63 39 Bete ? 40 Ranee wear 65 ^H66~ 41 With self- I I I I HI M I I I I assurance ?1 "5 Tribune Media Services, Inc. 44 Knock A" r'9h,s reserved45 Represses 46 Always, to poets 9 Professional | g 1310 [ oTv~H^~ 3 1 fs~H 1 d 3 m] 48 Topper charge 3 1TT|ToBo 1 S vBnT7?, 49 Inevitable 10 Expands fa v 1 Ala n v hfa 3 u 1 TT 54 Italian city 11 Put to flight TTo jBT nV T n n VTT 57 Strikes out 12 Being MM 58 Take ?ride 13 High-schooler ^XfX 3 _a_j_ _! 59 Farm laborer 19 Throw HH^LAjJLHH-LAJ_J__LA.A 61 Church table 21 Was present d v n "l 1 n 3 a idNOQ 62 Hibernia 24 Before tee j_ _uv_ s M 3 X _L n|v _L JL X 63 Concerning 25 Unending XXXXXJ^XX N XXl!^ v 1 64 Silly people 2/ urapevine s111s13 a i lapBHx s d 65 Boohooed product v TW^T V ~i d 3 a 66 Slow-cooked 28 Night light N 3 i v 3Bh7TT v|s n w 3_ meal 29 0Hara 3 s 7^ hITY? i Wfo l N 0 l 67 Did sums homestead T7n^b777tbo "nT h"? 30 Lingerie item DOWN 31 Sleuths lAM" [ a B d [ 3 [ 3 91 u 3 d [v [dj 1 Snooped 32 Much 2 "A House Is Not 33 Kind of skirt ?" 35 Negative votes 3 Certain picture 56 Stannum 4 Isolate 38 Loaded 5 Fabled bird 42 Homer's saga 51 Famous 56 Dull person 6 Davis or Midler 43 Nevertheless 52 Clear a tape 57 Abstain from 7 Dog? (shabby 47 Ransacked 53 Had the nerve food from overuse) 49 Italian poet 54 Sigh of relief 60 Possesses 8 Level 50 Bequeath 55 River of England 61 ? Khan