Abstract: Apparatus and method for generating and combining for reproduction on a single format, standardized text, standardized graphics, personalized text and personalized graphics. The apparatus employs a computer into which personalized text and personalized graphics information is introduced. A variety of graphics are stored in the computer and compared with the personalized graphics information introduced into the computer. The apparatus combines the standardized text and graphics with the personalized text and graphics to provide a personalized text and graphics output.