Life policy would give their family only $13,000 of family protection. If you're like most of your colleagues in education and

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Cameron Malone
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1 WHY DOE X SO ssx~~~ MANY ~~~~ PEOPLE V.^..~ N BUY THE KND OF 4> rnuiuiiiuu t THET'S WRONG \ FORTHEM1?\, Because they don't clearly understand the difference between Term and Whole Life insurance... and that a Term policy can typically provide five to ten times as much immediate family protection for the same money! As shown in the table below, a first year net outlay of only $150 buys a $142,000 TAA 20-Year Decreasing Term policy or a $97,000 5-Year Renewable Term policy for a man aged 30 or a woman aged 35. The same outlay used to purchase a Whole Life policy would give their family only $13,000 of family protection. f you're like most of your colleagues in education and research, your first priority is to give your family the most financial security for the least amount of money-and that's what TAA Term is all about! Whateveryour age, the difference in the level of protection available for just $150 is dramatic, as the table illustrates. mmediate Protection Available For $150 First Year Net Cost * For a Man For a Woman 20-Year Decreasing Aged Aged Term Plan $206, ,000 97, ,000 74, ,000 48, ,000 31,000 *Annual premium less cash dividend payable at the end of first policy year, based on 1979 dividend scales. While not guaranteed, dividends have been paid every year since TAAs founding in Year Renewable Term Plan $112,000 Whole Life Plan $16,000 13,000 10,000 8,000 7,000 Why such big differences? With Term you pay only for protection, while a Whole Life policy combines protection with a savings (cash value) element. Remember, the protection part of life insurance is relatively inexpensive; it's when savings are included as well that a high outlay per $1,000 of coverage is required. Mail coupon or call collect Just complete and mail the coupon at right, or call the TM Life nsurance Advisory Center (collect) f you wish, an nsurance Counselor will review your insurance needs with you and help you select the plan and amount that's right for you. No obligation, of course. Eligibility to apply for a life insurance policy from Teachers nsurance and Annuity Association is limited to employees of colleges, universities, private schools and certain other nonprofit educational or research institutions. The employee's spouse is also eligible, provided more than half of the combined earned income of husband and wife is from a qualifying institution. 18 SEPTEMBER 1981 Established as a nonprofit service organization by the Carnegie Foundation for the Advancement of Teaching f you'd like to know more, ask us to send two highly informative articles reprinted from The New York Times and Business Week that discuss the choice between Term and Whole Life. We'll gladly mail them, along with detailed personal information about TAA policies for you. Life nsurance Advisory Center S91881L Teachers nsurance and Annuity Association 730 Third Avenue, New York, NY l Please send me the reprinted articles contrasting Term and Whole Life, and personal illustrations of these TAA policies: O Decreasing Term 0 5-Year Renewable Term O Whole Life Please print Name Job Title Home Address ccity Phone #s (optional) Home ( ) Office ( ) _.Birthdate Your nonprofit employer (college, univ, private school, research institution, etc.) f your spouse is also eligible under the rules given at left, please provide: Spouse's name._birthdate L Zip

As shown in the table below, a first year net outlay of only $150 buys a $142,000 TAA 20-Year Decreasing Term policy or a $97,000 5-Year Renewable Term policy for a man aged 30 or a woman aged 35.

2 demaud bse~ we demand so muhofour fnizr. Only a Manne rcruit in boot camp os rough more inspections than a Rexo laboratory freezer After all, when you've been bulding as many freezers asw have, for as many years as we have got quite _ ~~~areputaton to upold. Which ma~y explain why our qulty control people take their - t jobs so seiously. n addition, Rtevo is theodly company in he industry whose product not just a few electrical comlponents - are listed by ~~~Undewitr Laboratories, nc. We not only establish rigid engineering and design stanards, but we also make sure that those standards are appl at every -phase ofproducti, in every freezer we make. And thati; the way it should be. Because in wrk as impot s yoours, its impatie for te lab eqluipment you use to meet high:stndards. And for more than 4Q yeas,revv hais;been t-he standad by Which the in-: prfrmnc and qualit> dustry measures So send for our new catlg on our compet line of chest and upright frezes. They're available from 3 to 20 cubic feet and from O0 C to -10 0C. PductsDin Manucturing Company Es.Eve *. Rheem11( demands, MemorialD uptoo MCd wre sure twll tuse: ds+ve alteady lived up t swet Columbi, S.C we're And to OU?3 because they~~vealready livedveto~~ CaW No. 294 on Rd Swvio Card Telepon TWX* SCENCE, VOL. 213

~~~areputaton to upold. Which ma~y explain why our qulty control people take their - t jobs so seiously.

3 NKON NKO N HGH PERFORMANCE CF O PTCS.POSS BLY THE FNEST EVER AVALABLE. Rat testis photographed with Nikon CF 40x oil plan alipochromat. CF 5x photo eyepiece. NSTRUMENTATON Nikon Optiphot microscope with CF objectives. SGNFCANCE Nikon's revolutionary CF optics virtually eliminate chromatic aberration. Within this series, several high performance objectives significantly extend observation powers. SPECFCS While all Nikon CF objectives provide a dramatic improvement in resolution, color rendition and contrast over the old compensation system, the following lenses are exceptional. The unique CF 2x plan apochromat has excellent image flatness for low power photography. The CF 40x plan apochromat, N.A. 0.95, dry, produces exceptionally bright, high contrast images. Nikon's CF 100x NCG plan apochromat is designed to work without a cover glass. ts sharpness must be seen to be believed. These remarkable optics are matched to a microscope body and illumination system equal to their performancethe Nikon Optiphot. This totally new design is extremely stable. A standard 50 watt halogen Koehler illumination system covers all magnifications without need for adjustment and the full range of Nikon accessories is available to match any assignment. Extend your vision. Write: Nikon Visions, Nikon nc. nstrument Division 623 Stewart Avenue Garden City, N.Y (516) ndion Extending Man's Vision Circle No. 293 on Readers' Service Card. Vs_

Within this series, several high performance objectives significantly extend observation powers.

4 EM-109: the specimsen saver. New design keeps high performance (3.44A) with 3 unique systems. 1. Unique camera system, totally outside the vacuum-the TFP Trans-Fiberoptic-Photographic System. Changing film is like reloading your own camera. 3. Unique vacuum system for ultra-clean specimen conditions-the GP on-getter Pumping System. The EM-109 is always ready for use, instantly. TFP, MDF, GP-a lot of letters, but they spell 2. Unique automatic focusing system for "Specimen Saver," the new EM-109 Electron Microscope from Zeiss. maximum specimen protection-the MDF Micro- Dose-Focusing System. Focusing has never been Call or write today for the detailed catalog that so easy, so automatic, so specimen-saving. explains these unique systems in full. Nationwide Service Carl Zeiss, nc., 444 5th Avenue, New York, N.Y (212) Branches: Atlanta, Boston, Chicago, Houston, Los Angeles, San Francisco, Washington, D.C. in Canada: 45 Valleybrook Drive, Don Mills, Ontario, M3B 2S6. Or call (416) L J Open the drawer and change the film without disturbing the vacuum or introducing any contamination.

TFP, MDF, GP-a lot of letters, but they spell 2. Unique automatic focusing system for "Specimen Saver," the new EM-109 Electron Microscope from Zeiss.

5 z~~ Cao'f -~~~~~~~~~~~~~Q ~~~~~~el" ~ ~:~ For information circle reader service number 278 For a demonstration circle reader service number 279 ts 7 GB

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First let us consider microscopes. Human eyes are sensitive to radiation having wavelengths between

First let us consider microscopes. Human eyes are sensitive to radiation having wavelengths between Optical Differences Between Telescopes and Microscopes Robert R. Pavlis, Girard, Kansas USA icroscopes and telescopes are optical instruments that are designed to permit observation of objects and details