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Iim PowerPC in a trademark of International Business Mat I . . Com TTTorr* wiT ^T~ )U/) / WW PHRASE \ >r7/J 7 THAT M THE FORM y \ OF A QUESTION.r^i^S, Ifj ALEXTREBeKS^lastsh^u Out bv Tnbune Mrdt* S*rviCM. Inc.' l\u t. "^^7 ^I99b'r.nmm?lnc. httTi^/www.^mmy.com JBjWlJIT*un\imjm Jt ? i THBY C-^a, You've heard all .sort" lH i?** SttTEM? <&. 0F 8/0 pw*s ^0UT M v^txt so i'll be here this* whole v 0lo&y w/u t00t,n<5 ht J T You FINP THE PACE OF WELL, BY DIVERTING THOWAI ?LOE,Y i? TOO FASTTO keep OF TecHNoseefcs INI H? PlPNT You WlfH THOSE DEBUGGING THE SYSTEM, T immers would flow down are ffeweft our there work 'be You could catch To MAkG your SoFTWAR Your breath?'/ obsolete /z iL^Se ________________^ i W Ill amor fund Book? G3 will enhance Ir exper ie during Apple's Smart of co1 one o e'll give you an extra year mutu oice?FREE! [TIA Display rebate 3et a $100 rebate on a qualifying 17-inch or 20-inch \pple? 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DOWN 33 Verdi opera 1 Walks lamely 34 Othello, e.g. 45 2 Effective use 36 Plague (with) 47 3 Commingle 39 Flarbors 49 4 Made a date 40 Weatherproof 51 -$ 5 Depressing 42 Equivalent word 52 experience 43 Magnani and RECENT] MORNINGSTAR USCHEA IT'S NOT EVE: YOU GET A COM] LIKE TIL financial companies charge operating fees [variable and expenses ? some more than others. Of itive witl e, the lower the expenses you pay the better. though it way, more of your money goes where it "TIA Id ? towards building a comfortable future. Ve make low expenses a top priority. Ql ^ .s the largest retirement system in the consider i1?a nonprofit company focused exclu- Morning r on the financial needs of the educational "consum esearch communities ? our expenses are investme ig the lowest in the insurance and mutual make a d industries.1' At T1 i fact, TIAA-CREF's 0.31% average fund like to sp lses are less than half of the expense charges retiremei mparable funds.3 It's why Morningstar? people cc f the nation 's leading sources of annuity and build a c< al fund information ? says, "At that level can you. A-CREF] is cheaper than any other 1 800 842 Visit us on the Internet at www.tia jE Ensuring the future for those who shape it. 3ased on $236 billion in assets under management. 2. Stmuhtrc) c Poor's hum ranee Ra er-Direclort Analytical Data 1998 (Quarterly). 3. Of the 4,829 variable annuities trai combining annual expenses of 0.82% plus an insurance expense of 1.27%. Source 4. 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' annuity] policy, and is even competh the cheapest mutual fund complexes, offers far more benefits."^ A-CREF sets the standard in the financial services industry." iurse, expenses are only one factor to when you make an investment decision, star also noted our commitment to er education, service and solid nt performance." Because that can lifference in the long run, too. [AA-CREF, we believe people would iend more in retirement, not on their it company. Today, over two million iunt on that approach to help them imfortable and secure future. So lo rind out more, call us at 1-2776. We'd consider it a compliment. ia-cref.org lint; Atuily.ii.1, 1998; Upper Analytical Services, Inc . :ked by Mornlngstar, the average lund had total fees : Mormngstar. Inc., lor periods ending 7/31/98. (. /tift 4/30/98. Past performance is no guarantee of future results, and interests in the TIAA Real Instate Account 1-2776, extension 5509, for the prospectuses. id money. J M