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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
December 12, 2000
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