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EXHIBIT 12  COMPUTATION OF RATIO OF EARNINGS TO FIXED CHARGES

(In thousands, except ratio data)

|                                                                                                            |  |                    |         |   |            |   |         |      |  |   |           |   |  |      |            |   |      |   |           |      |  |   |         |   |  |   |         |  
|----------------------------------------------------------------------------------------------------------- |  | ------------------ | ------- | - | ---------- | - | ------- | ---- |  | - | --------- | - |  | ---- | ---------- | - | ---- | - | --------- | ---- |  | - | ------- | - |  | - | ------- | -
|                                                                                                            |  | Three Months Ended |         |   |            |   |         |      |  |   |           |   |  |      |            |   |      |   |           |      |  |   |        
|                                                                                                            |  | March 31,          |         |   | Year Ended |  
|                                                                                                            |  |                    |         |   |            |  
|                                                                                                            |  | 2003               |         |   | 2002       |   |         | 2002 |  |   | 2001      |   |  | 2000 |            |   | 1999 |   |           | 1998 | 
|                                                                                                            |  |                    |         |   |            |   |         |      |  |   |           |   |  |      |            |   |      |   |           |      | 
|Income (loss) before income
taxes, equity in earnings of
non-consolidated affiliates and
extraordinary item |  | $                  | 117,070 |   |            | $ | 148,600 |      |  | $ | 1,191,261 |   |  | $    | (1,259,390 | ) |      | $ | 688,384   |      |  | $ | 220,213 |   |  | $ | 117,922 |  
|Dividends and other received
from nonconsolidated affiliates                                                |  |                    | 1,511   |   |            |   | 1,036   |      |  |   | 6,295     |   |  |      | 7,426      |   |      |   | 4,934     |      |  |   | 7,079   |   |  |   | 9,168   |  
|                                                                                                            |  |                    |         |   |            |   |         |      |  |   |           |   |  |      |            |   |      |   |           |      | 
|                                                                                                            |  |                    |         |   |            |   |         |      |  |   |           |   |  |      |            |   |      |   |           |      |  |   |         |   |  |   |         |  
|Total                                                                                                       |  |                    | 118,581 |   |            |   | 149,636 |      |  |   | 1,197,556 |   |  |      | (1,251,964 | ) |      |   | 693,318   |      |  |   | 227,292 |   |  |   | 127,090 |  
|                                                                                                            |  |                    |         |   |            |   |         |      |  |   |           |   |  |      |            |   |      |   |           |      |  |   |         |   |  |   |         |  
|Fixed Charges                                                                                               |  |                    |         |   |            |   |         |      |  |   |           |   |  |      |            |   |      |   |           |      |  |   |         |   |  |   |         |  
|Interest expense                                                                                            |  |                    | 100,952 |   |            |   | 110,367 |      |  |   | 432,786   |   |  |      | 560,077    |   |      |   | 413,425   |      |  |   | 192,321 |   |  |   | 135,766 |  
|Amortization of loan fees                                                                                   |  |                    | *       |   |            |   | 3,256   |      |  |   | 12,077    |   |  |      | 14,648     |   |      |   | 12,401    |      |  |   | 1,970   |   |  |   | 2,220   |  
|Interest portion of rentals                                                                                 |  |                    | 82,542  |   |            |   | 66,136  |      |  |   | 293,831   |   |  |      | 270,653    |   |      |   | 150,317   |      |  |   | 24,511  |   |  |   | 16,044  |  
|                                                                                                            |  |                    |         |   |            |   |         |      |  |   |           |   |  |      |            |   |      |   |           |      | 
|                                                                                                            |  |                    |         |   |            |   |         |      |  |   |           |   |  |      |            |   |      |   |           |      |  |   |         |   |  |   |         |  
|Total fixed charges                                                                                         |  |                    | 183,494 |   |            |   | 179,759 |      |  |   | 738,694   |   |  |      | 845,378    |   |      |   | 576,143   |      |  |   | 218,802 |   |  |   | 154,030 |  
|                                                                                                            |  |                    |         |   |            |   |         |      |  |   |           |   |  |      |            |   |      |   |           |      |  |   |         |   |  |   |         |  
|Preferred stock dividends                                                                                   |  |                    |         |   |            |   |         |      |  |   |           |   |  |      |            |   |      |   |           |      |  |   |         |   |  |   |         |  
|Tax effect of preferred dividends                                                                           |  |                    |        |   |            |   |        |      |  |   |          |   |  |      |           |   |      |   |          |      |  |   |        |   |  |   |        |  
|After tax preferred dividends                                                                               |  |                    |        |   |            |   |        |      |  |   |          |   |  |      |           |   |      |   |          |      |  |   |        |   |  |   |        |  
|                                                                                                            |  |                    |         |   |            |   |         |      |  |   |           |   |  |      |            |   |      |   |           |      | 
|                                                                                                            |  |                    |         |   |            |   |         |      |  |   |           |   |  |      |            |   |      |   |           |      |  |   |         |   |  |   |         |  
|Total fixed charges and
preferred dividends                                                                 |  |                    | 183,494 |   |            |   | 179,759 |      |  |   | 738,694   |   |  |      | 845,378    |   |      |   | 576,143   |      |  |   | 218,802 |   |  |   | 154,030 |  
|                                                                                                            |  |                    |         |   |            |   |         |      |  |   |           |   |  |      |            |   |      |   |           |      |  |   |         |   |  |   |         |  
|Total earnings available for
payment of fixed charges                                                       |  | $                  | 302,075 |   |            | $ | 329,395 |      |  | $ | 1,936,250 |   |  | $    | (406,586   | ) |      | $ | 1,269,461 |      |  | $ | 446,094 |   |  | $ | 281,120 |  
|                                                                                                            |  |                    |         |   |            |   |         |      |  |   |           |   |  |      |            |   |      |   |           |      | 
|                                                                                                            |  |                    |         |   |            |   |         |      |  |   |           |   |  |      |            |   |      |   |           |      |  |   |         |   |  |   |         |  
|Ratio of earnings to fixed
charges                                                                          |  |                    | 1.65    |   |            |   | 1.83    |      |  |   | 2.62      |   |  |      | **         |   |      |   | 2.20      |      |  |   | 2.04    |   |  |   | 1.83    |  
|                                                                                                            |  |                    |         |   |            |   |         |      |  |   |           |   |  |      |            |   |      |   |           |      | 
|                                                                                                            |  |                    |         |   |            |   |         |      |  |   |           |   |  |      |            |   |      |   |           |      |  |   |         |   |  |   |         |  
|Rental fees and charges                                                                                     |  |                    | 235,835 |   |            |   | 188,959 |      |  |   | 839,516   |   |  |      | 773,293    |   |      |   | 429,476   |      |  |   | 306,393 |   |  |   | 200,550 |  
|Interest component                                                                                          |  |                    | 35      | % |            |   | 35      | %    |  |   | 35        | % |  |      | 35         | % |      |   | 35        | %    |  |   | 8       | % |  |   | 8       | %



|*  |  | Amortization of loan fees is included in Interest expense beginning January
1, 2003.                                        
|-- |  | ----------------------------------------------------------------------------------------------------------------------------
|  
|** |  | For the year ended December 31, 2001, fixed charges exceeded earnings
before income taxes and fixed charges by $1.3 billion.