Exhibit 12

STATEMENT REGARDING COMPUTATION OF RATIO OF EARNINGS TO FIXED CHARGES

	Nine Months Ended September 30		Year Ended December 31
	2014		2013		2012		2011		2010		2009
	(in millions of dollars, except ratios)
Earnings
Income Before Income Tax	$	985.1	$	1,205.2	$	1,249.5	$	333.3	$	1,319.9	$	1,283.9
Fixed Charges		138.7		175.1		169.8		165.5		163.1		146.2
Adjusted Earnings	$	1,123.8	$	1,380.3	$	1,419.3	$	498.8	$	1,483.0	$	1,430.1
Fixed Charges
Interest and Debt Expense, excluding Costs Related to Early Retirement of Debt	$	115.8	$	149.4	$	145.4	$	143.3	$	143.3	$	126.2
Interest Credited on Investment Products		11.1		10.2		9.7		9.4		8.9		8.4
Portion of Rents Deemed Representative of Interest		11.2		14.7		13.9		12.0		9.8		10.0
Other		0.6		0.8		0.8		0.8		1.1		1.6
Total Fixed Charges	$	138.7	$	175.1	$	169.8	$	165.5	$	163.1	$	146.2
Ratio of Earnings to Fixed Charges		8.1		7.9		8.4		3.0		9.1		9.8