Exhibit 12.1

Statement Regarding Computation of Ratio of Earnings to Fixed Charges



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|--------------------------------------------------------------------------------- |  | ------------------------ | ----- | - | ---- | - | ----- | ---- |  | - | ----- | - |  | ---- | ----- | - |  | - | ----- | -
|                                                                                  |  | Years Ended December 31, |      
|                                                                                  |  | 2007                     |       |   | 2006 |   |       | 2005 |  |   | 2004  |   |  | 2003 |      
|                                                                                  |  | (Dollars in millions)    |      
|Earnings calculation:                                                             |  |                          |       |   |      |   |       |      |  |   |       |   |  |      |       |   |  |   |       |  
|                                                                                  |  |                          |       |   |     
|Income before income taxes                                                        |  | $                        | 341.7 |   |      | $ | 309.7 |      |  | $ | 325.6 |   |  | $    | 292.0 |   |  | $ | 239.8 |  
|Fixed charges                                                                     |  |                          | 147.0 |   |      |   | 121.9 |      |  |   | 107.9 |   |  |      | 100.1 |   |  |   | 98.0  |  
|                                                                                  |  |                          |       |   |      |   |       |      |  |   |       |   |  |      |       |   |  |   |       |  
|Earnings                                                                          |  | $                        | 488.7 |   |      | $ | 431.6 |      |  | $ | 433.5 |   |  | $    | 392.1 |   |  | $ | 337.8 |  
|                                                                                  |  |                          |       |   |      |   |       |      |  |   |       |   |  |      |       |   |  |   |       |  
|                                                                                  |  |                          |       |   |     
|Fixed charges calculation:                                                        |  |                          |       |   |      |   |       |      |  |   |       |   |  |      |       |   |  |   |       |  
|Other interest expense including capital lease interest but excluding Senior Note |  | $                        | 1.4   |   |      | $ | 1.0   |      |  | $ | 1.1   |   |  | $    | 1.1   |   |  | $ | 0.9   |  
|Amortization of Senior Notes                                                      |  |                          | 17.5  |   |      |   | 17.5  |      |  |   | 17.5  |   |  |      | 17.5  |   |  |   | 17.5  |  
|Amortization of Subordinated Debt                                                 |  |                          | 12.4  |   |      |   |      |      |  |   |      |   |  |      |      |   |  |   |      |  
|Interest credited                                                                 |  |                          | 108.8 |   |      |   | 97.7  |      |  |   | 84.0  |   |  |      | 76.5  |   |  |   | 75.0  |  
|Portion of rental expense representing an interest factor (1)                     |  |                          | 6.9   |   |      |   | 5.7   |      |  |   | 5.3   |   |  |      | 5.0   |   |  |   | 4.6   |  
|                                                                                  |  |                          |       |   |      |   |       |      |  |   |       |   |  |      |       |   |  |   |       |  
|Total fixed charges                                                               |  | $                        | 147.0 |   |      | $ | 121.9 |      |  | $ | 107.9 |   |  | $    | 100.1 |   |  | $ | 98.0  |  
|                                                                                  |  |                          |       |   |      |   |       |      |  |   |       |   |  |      |       |   |  |   |       |  
|Ratio of earnings to fixed charges                                                |  |                          | 3.3   | x |      |   | 3.5   | x    |  |   | 4.0   | x |  |      | 3.9   | x |  |   | 3.4   | x



|(1) |  | Interest portion of operating leases is assumed to be 28 percent.
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