/ \_ /– 1 /—' /— variables of excitement, pressure or emotional conflict. The examiner attaches electrodes to test for blood pressure, perspiration, respiratory rate and pulse; the examinee may be tested only by consent and in a comfortable environment. If the examiner is highly professional, the results can be 85 per- cent to 90 percent reliable, but even so, they are not admissible evidence in court. But whether a person is speaking the truth can be examined according to another variable — his voice. Scientists have found that when a person lies, the frequency of the vibra- tions of his voice changes. (This is true of most of us; pathological liars whose minds don't separate between truth and lies are exceptions.) The amount of blood entering his larynx is involuntarily reduced, causing the voice to flutter: this cannot be sensed by the human ear but only with sensi- tive equipment. Unlike the polygraph and previous voice-sensitive machines, Truster "can separate lying and covering up from nervousness. inexactitude, physical pain and emotional conflicts," Lieber- man says. "For example, insurance companies have for years been recording customers after a reported theft of property and then testing their recorded voices. But if asked whether a certain ring was stolen, for example, the owner could be so distressed because of its sentimental value that the results could make her seem to be lying, and the company would not compensate her." Lieberman and Segal note that Truster has been tested on hundreds of people under exact, scientific condi- tions: They were told to tell a true story, sprinkling it with a handful of specific details that were false. In an average of 85 percent of the tests, Truster could identify the lies. If a person is being examined by microphone next to the computer, accuracy can be boosted even more by asking him to concentrate, looking at his eyes to see if he's trying to distract himself and asking specific questions. But Truster's instruction booklet offers two important caveats: Never make an important decision based solely on the results of an examina- tion. Makhshevet will not bear any responsibility for direct or indirect results from use of the system. Despite these warnings, the unique program will have an endless variety of uses, aside from journalists checking the probity of politicians. This fixed annuity can help you retire. Nicely. If you're looking for a financial by LSW, plus get a 3% minimum choice that will help you achieve guaranteed accumulation rate. your financial goals and defer You'll also get free automatic taxes, this fixed annuity is it. interest withdrawals. It all adds And a whole lot more. Two percent up in your best interest. If you'd like additional interest is added to its first- more information, talk to a Comerica year base rate. What's more, you'll get Securities Investment Consultant today. t00% return of principal guaranteed** Or simply call us at 1-80o-292-130o. We listen. We understand. We make it worle Not insured by the FDIC or NCUA. Not a deposit or obligation of, or guaranteed by, Comerica Bank or any of its affiliates. Subject to investment risks, including possible loss of principal. While your principal is unconditionally guaranteed by the insurance company, the guarantee is solely dependent upon the insurance company's financial condition. Comerica Securities is a broker/dealer, Member NASD/SIPC and an affiliate of Comerica Bank. Annuities in Michigan are offered by Comerica Insurance Services, Inc., an insurance agency and subsidiary of Comerica Bank. Some restrictions apply.First-year annual effective rate. Rate as of date of printing and is subject to change without notice. Includes 5.o% basic rate plus 2% additional interest for one year. Minimum rate guaranteed by LSW; not less than 3%. — Seven-year withdrawal charge for withdrawals in excess of accumulated interest (8% in year one and declining i% thereafter). io% IRS penalty may apply on withdrawals made prior to age 59th. LSW Policy Form Nos. 7672 and 7674 (MN) Issued and guaranteed by Life Insurance Company of the Southwest (LSW), gnu West Mockingbird Lane, Dallas TX 75243. Independent from the institution. www.comerica.com Our CD'S Don't play Music, 5.35 One Year Certificate A.P.Y.' , F --.1rAOSTAIR' BANK Member F.D.I.C. but could be Music to your Ears 248-338-7700 or 248-352-7700 2600 Telegraph Rd. • Bloomfield Hills • MI 48302 This is a Federal Deposit Insurance Corporation insured account (FDIC). A minimum opening deposit and balance of $500.00 is required to obtain the stated Annual Percentage Yield. *Annual percentage yield when compounded quarterly. Rate is accurate as of 3/13/98. Penalty for early withdrawal from certificate accounts may be assessed.