EXHIBIT 12.1

Statement Regarding Computation of Ratio of Earnings to Fixed Charges

	Years Ended December 31,
	2004		2003		2002		2001		2000
	(Dollars in millions)
Earnings calculation:
Income before income taxes	$	292.0	$	239.8	$	172.0	$	164.5	$	141.1
Fixed charges		100.1		98.0		83.0		83.0		94.8
Earnings	$	392.1	$	337.8	$	255.0	$	247.5	$	235.9
Fixed charges calculation:
Interest expense excluding senior note	$	1.1	$	0.9	$	1.3	$	1.2	$	1.9
Amortization of senior note		17.5		17.5		4.6		—		—
Interest credited		76.5		75.0		72.9		78.7		90.4
Portion of rental expense representing an interest factor (1)		5.0		4.6		4.2		3.1		2.5
Total fixed charges	$	100.1	$	98.0	$	83.0	$	83.0	$	94.8
Ratio of earnings to fixed charges		3.9x		3.4x		3.1x		3.0x		2.5x

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