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

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