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Re #48: Um, TIAA-CREF is a provider of investments for 403(b) plans. The private-industry equivalent is a 401(k) plan, and they have been extremely widely adopted. The investments are normally handled by general-purpose financial services companies instead of by entities specific to one profession, but I think that's fine. The idea that retirement investing for teachers is somehow different from retirement investing for steel workers and computer programmers is just TIAA marketing, not reality.
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