|                                                         |  |           
|-------------------------------------------------------- |  | ----------
|Computation of Ratio of Earnings (Loss) to Fixed Charges |  | Exhibit 12



|                                                                |  |      |         |      |   |         |  |   |          |   |  |      |         |   |  |   |        
|--------------------------------------------------------------- |  | ---- | ------- | ---- | - | ------- |  | - | -------- | - |  | ---- | ------- | - |  | - | -------
|YEAR ENDED DECEMBER 31 (In Millions Except
For Ratios)          |  | 2003 |         | 2002 |   | 2001    |  |   | 2000     |   |  | 1999
|EARNINGS (LOSS)                                                 |  |      |         |      |   |         |  |   |          |   |  |      |         |   |  |   |        
|Income (Loss) before Income Taxes                               |  | $    | 441.1   |      | $ | 393.4   |  | $ | (1,482.4 | ) |  | $    | 70.3    |   |  | $ | 240.5  
|Total Fixed Charges                                             |  |      | 1,118.9 |      |   | 1,130.3 |  |   | 1,121.6  |   |  |      | 1,125.7 |   |  |   | 1,027.1
|Less Interest Capitalized                                       |  |      |        |      |   |        |  |   | (8.3     | ) |  |      | (6.1    | ) |  |   |       
|                                                                |  |      |         |      |   |         |  |   |          |   |  |      |         |   |  |   |        
|Total Earnings (Loss)                                           |  |      | 1,560.0 |      |   | 1,523.7 |  |   | (369.1   | ) |  |      | 1,189.9 |   |  |   | 1,267.6
|                                                                |  |      |         |      |   |         |  |   |          |   |  |      |         |   |  |   |        
|FIXED CHARGES                                                   |  |      |         |      |   |         |  |   |          |   |  |      |         |   |  |   |        
|Interest                                                        |  |      | 127.1   |      |   | 132.0   |  |   | 136.9    |   |  |      | 144.4   |   |  |   | 141.8  
|Interest on Deposit Contracts                                   |  |      | 973.8   |      |   | 980.6   |  |   | 960.2    |   |  |      | 959.9   |   |  |   | 872.2  
|Interest Capitalized                                            |  |      |        |      |   |        |  |   | 8.3      |   |  |      | 6.1     |   |  |   |       
|Interest Portion of Rental Expense                              |  |      | 17.6    |      |   | 16.4    |  |   | 15.0     |   |  |      | 14.3    |   |  |   | 12.0   
|Amortization of Deferred Debt Expense                           |  |      | 0.4     |      |   | 1.3     |  |   | 1.2      |   |  |      | 1.0     |   |  |   | 1.1    
|                                                                |  |      |         |      |   |         |  |   |          |   |  |      |         |   |  |   |        
|Total Fixed Charges                                             |  | $    | 1,118.9 |      | $ | 1,130.3 |  | $ | 1,121.6  |   |  | $    | 1,125.7 |   |  | $ | 1,027.1
|                                                                |  |      |         |      |   |         |  |   |          |   |  |      |         |   |  |   |        
|RATIO OF EARNINGS (LOSS) TO FIXED CHARGES                       |  |      | 1.4     |      |   | 1.3     |  |   |         |   |  |      | 1.1     |   |  |   | 1.2    
|Dollar Amount of Deficiency in Earnings (Loss) to Fixed Charges |  |      | N/A     |      |   | N/A     |  | $ | 1,490.7  |   |  |      | N/A     |   |  |   | N/A