Exhibit 12

RATIOS OF EARNINGS TO FIXED CHARGES AND COMBINED FIXED CHARGES AND
PREFERRED STOCK DIVIDENDS
December 31, 2005

	Years Ended December 31,
	2005		2004		2003		2002			2001
	(In millions, except ratios)
EARNINGS:
Adjusted earnings (loss) from continuing operations before income taxes	$	4,506		3,240		2,203		(135	)		27
Add fixed charges (see below)		616		565		569		549			229
Adjusted earnings	$	5,122		3,805		2,772		414			256
FIXED CHARGES AND PREFERRED STOCK DIVIDENDS:
Gross interest expense		604		545		552		537			223
Dividends on preferred stock of a subsidiary		—		—		3		—			—
Estimated interest component of operating lease payments		12		20		14		12			6
Fixed charges		616		565		569		549			229
Preferred stock requirements, pre-tax		15		15		16		16			16
Combined fixed charges and preferred stock dividends	$	631		580		585		565			245
Ratio of earnings to fixed charges		8.32		6.73		4.87		N/A			1.12
Ratio of earnings to combined fixed charges and preferred stock dividends		8.12		6.56		4.74		N/A			1.05
Insufficiency of earnings to cover fixed charges		N/A		N/A		N/A		135			N/A
Insufficiency of earnings to cover combined fixed charges and preferred stock dividends		N/A		N/A		N/A		151			N/A