PUTNAM CAPITAL MANAGER TRUST SEPARATE ACCOUNT TWO
485BPOS, EX-10, 2000-09-20
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                                                                 ARTHUR ANDERSEN



                    CONSENT OF INDEPENDENT PUBLIC ACCOUNTANTS
                    -----------------------------------------

As independent public accountants, we hereby consent to the use of our reports
(and to all references to our Firm) included in or made a part of this
Registration Statement File No. 333-50465 for Hartford Life and Annuity
Insurance Company Putnam Capital Manager Trust Separate Account Two on Form N-4.


Hartford, Connecticut                                    /s/ Arthur Andersen LLP
September 20, 2000




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