EXHIBIT 12.1

Statement Regarding Computation of Ratio of Earnings to Fixed Charges



|                                                              |  |                          |       |   |      |   |       |      |  |   |       |   |  |      |       |   |  |   |       |  
|------------------------------------------------------------- |  | ------------------------ | ----- | - | ---- | - | ----- | ---- |  | - | ----- | - |  | ---- | ----- | - |  | - | ----- | -
|                                                              |  | Years Ended December 31, |      
|                                                              |  | 2005                     |       |   | 2004 |   |       | 2003 |  |   | 2002  |   |  | 2001 |      
|                                                              |  | (Dollars in millions)    |      
|Earnings calculation:                                         |  |                          |       |   |      |   |       |      |  |   |       |   |  |      |       |   |  |   |       |  
|                                                              |  |                          |       |   |     
|Income before income taxes                                    |  | $                        | 325.6 |   |      | $ | 292.0 |      |  | $ | 239.8 |   |  | $    | 172.0 |   |  | $ | 164.5 |  
|Fixed charges                                                 |  |                          | 107.9 |   |      |   | 100.1 |      |  |   | 98.0  |   |  |      | 83.0  |   |  |   | 83.0  |  
|                                                              |  |                          |       |   |      |   |       |      |  |   |       |   |  |      |       |   |  |   |       |  
|Earnings                                                      |  | $                        | 433.5 |   |      | $ | 392.1 |      |  | $ | 337.8 |   |  | $    | 255.0 |   |  | $ | 247.5 |  
|                                                              |  |                          |       |   |      |   |       |      |  |   |       |   |  |      |       |   |  |   |       |  
|Fixed charges calculation:                                    |  |                          |       |   |      |   |       |      |  |   |       |   |  |      |       |   |  |   |       |  
|                                                              |  |                          |       |   |     
|Interest expense excluding senior note                        |  | $                        | 1.1   |   |      | $ | 1.1   |      |  | $ | 0.9   |   |  | $    | 1.3   |   |  | $ | 1.2   |  
|Amortization of senior note                                   |  |                          | 17.5  |   |      |   | 17.5  |      |  |   | 17.5  |   |  |      | 4.6   |   |  |   |      |  
|Interest credited                                             |  |                          | 84.0  |   |      |   | 76.5  |      |  |   | 75.0  |   |  |      | 72.9  |   |  |   | 78.7  |  
|Portion of rental expense representing an interest factor (1) |  |                          | 5.3   |   |      |   | 5.0   |      |  |   | 4.6   |   |  |      | 4.2   |   |  |   | 3.1   |  
|                                                              |  |                          |       |   |      |   |       |      |  |   |       |   |  |      |       |   |  |   |       |  
|Total fixed charges                                           |  | $                        | 107.9 |   |      | $ | 100.1 |      |  | $ | 98.0  |   |  | $    | 83.0  |   |  | $ | 83.0  |  
|                                                              |  |                          |       |   |      |   |       |      |  |   |       |   |  |      |       |   |  |   |       |  
|Ratio of earnings to fixed charges                            |  |                          | 4.0   | x |      |   | 3.9   | x    |  |   | 3.4   | x |  |      | 3.1   | x |  |   | 3.0   | x

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