EXHIBIT 12

Computation of Ratio of Earnings to Fixed Charges
($’s in 000’s)

	Years ended December 31
	2010		2009		2008		2007		2006
Fixed Charges:
Interest charges (per I/S)	$	16,150	$	17,178	$	18,852	$	23,353	$	16,353
Less: net amortization of debt discount and premium and issuance expenses		547		308		288		460		456
Adjusted interest charges		15,603		16,870		18,564		22,893		15,897
Add: Net amortization of debt discount and premium and issuance expense		547		308		288		460		456
Interest portion of rental charges		463		162		414		686		552
Total fixed charges	$	16,613	$	17,340	$	19,266	$	24,039	$	16,905
Earnings:
Pre-tax earnings	$	231,874	$	168,827	$	192,227	$	232,876	$	198,658
Interest charges		15,603		16,870		18,564		22,893		15,897
Net amortization of debt discount and premium and issuance expense		547		308		288		460		456
Interest portion of rental charges		463		162		414		686		552
Total earnings	$	248,487	$	186,167	$	211,493	$	256,915	$	215,563
Ratio of earnings to fixed charges		15.0		10.7		11.0		10.7		12.8

Note: Currently amortization of debt discount and premium and issuance expenses are recorded and included within the interest expense line item. The above analysis starts with interest expense per the income statement and then subtracts the amortization figure in order to get to a “true” interest expense amount.