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<PAGE> 1
Exhibit 23(a)
Consent of Independent Certified Public Accountants
Board of Directors
The Travelers Life and Annuity Company
We consent to the use of our reports incorporated herein by reference and to the
reference to our firm under the heading "Experts" in the prospectus.
/s/KPMG LLP
Hartford, Connecticut
July 13, 2000
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