6A Wednesday, September 13, 1995 UNIVERSITY DAILY KANSAN © 1993 Tashara Insurance and Annuity Association College Retirement Equities Fund Total Look Care FULL SERVICE SALON FOR MEN AND WOMEN BEFORE TRUSTING YOUR FUTURE TO ANY COMPANY, ASK FOR SOME LETTERS OF REFERENCE. You put more than just your savings into a retirement company. You put in your trust and hopes for the future, too. So before you choose one, ask some questions. How stable is the company? How solid are its investments? How sound is its overall financial health? A good place to start looking for answers is in the ratings of independent analysts. Four companies, all widely recognized resources for finding out how strong a financial services company really is, gave TIAA their top grade. IN THE FINAL ANALYSIS, TIAM IS LETTER PERFECT. TIAA received A++ (Superior) from A.M. Best Co., AAA from Duff & Phelps Credit Rating Co., Aaa from Moody's Investors Service and AAA from Standard & Poor's. These ratings reflect TIAA's stability, sound investments, claims-paying ability and overall financial strength. (These are ratings of insurance companies only, so they do not apply to CREF.) And TIAA—which, backed by the company's claims-paying ability, offers a guaranteed rate of return and the opportunity for dividends—is one of a handful of insurance companies nationwide that currently hold these highest marks. CREF FOUR MORE LETTERS EVERYONE SHOULD KNOW For further growth potential and diversification, there's the CREF variable annuity, with seven different investment accounts to give you the flexibility you want as you save for the future* Together, TIAA and CREF form the world's largest private retirement system based on assets under management, with over $145 billion in assets and more than 75 years of experience serving the education community. For over a million and a half people nationwide, the only letters to remember are TIAA-CREF. Ensuring the future for those who shape it. $ ^{\mathrm{TM}} $ - Not all accounts are available under the basic retirement plans at all institutions. They are, however, all available for TIAA-CREF Supplemental Retirement Annuities (SRA). CREF certificates are distributed by TIAA-CREF Individual & Institutional Services. Kathleen Driscoll / KANSAN Prices good thru Sept. 16, 1995 Joggers dodge campus traffic Kimberly Kistner, Maysville senior, jogs through campus Kistner jogs to keep in shape and to stay healthy. Mark Haber prefers to take his early morning jogging class through the level terrain and light traffic of the residential areas. However, Clifton Railsback runs through the commercial areas of Lawrence. KU joggers find best routes in Lawrence By Craig Lang Kansan staff writer Clifton Railsback's route CALL 865-3905 FOR OUR EVERYDAY LOW PRICE ON OUR PRESCRIPTION Lawrence may be lacking sidewalks on its busiest streets, but Ed Payne, an employee of the School of Pharmacy, said that was not really a problem when he went jogging. "With a few exceptions, you can get by with running out in the street," he said. Kelly Cannon/KANSAN Larry Pickert, Kansas City, Mo., junior, said Lawrence was a small enough town that it did not take long to get away from the heavy traffic. Payne is one of many Lawrence residents and University of Kansas students who find places in Lawrence to run that are off the beaten — and driven — path. Mark Haub's route Payne, who jogs almost every day, said that in many places in the city the traffic was not too heavy, so drivers would move out of the way for joggers on roads without sidewalks. "You have to run on uneven grass or risk cars not seeing you," he said. "There are possibilities of injury either way." Railback said he liked to run on campus because there were more sidewalks, and joggers didn't have to stop for traffic as often as they would when running through town. He also said campus was a good place for joggers who wanted to get more exercise by running up the hills. Haub said he thought it would help joggers if more sidewalks were built along busier streets in Lawrence, such as Sixth and 23rd Streets. "Some people get upset," he said. "But by and large, most people are observant and courteous." Source: Mark Haub. Clifton Railsback Railsback said that joggers needed to be careful what time they ran on campus. He said the people traffic could be worse than the car traffic if joggers decided to run when the campus was crowded. Clifton Railsback, Bartlesville, Okla., senior, said that because many people in town were health conscious, Lawrence drivers were usually friendly and would watch out for runners and bikers. He said if people were in a hurry, however, they might not be as likely to look out for joggers. The city of Lawrence has many places for people to jog within residential areas. But when going out for a run, several joggers recommended watching for traffic. He said that he liked to run in the area between 17th and 18th streets near Tennessee and Kentucky streets. "I sometimes don't do it myself!" he said "If you run at 5 in the afternoon, it can be pretty bad," he said. "In residential areas, people are pretty lenient on cyclists and runners," he said. "On busy streets, such as Iowa and 23rd, the attitudes change." Mark Haub, Lee's Summit, Mo., graduate student, is an instructor for HPER 108 — Basic Skill Instruction in Jogging. Haub said that to avoid heavy traffic, he guided his students through the residential areas. THIS SATURDAY SHARK'S SURF SHOP DON'T MISS IT! SEE FRI. UDK FOR DETAILS