EXHIBIT 12

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

	Years ended December 31
	2008		2007		2006		2005		2004
Fixed Charges:
Interest charges (per I/S)	$	18,852	$	23,353	$	16,353	$	14,370	$	14,764
Less: net amortization of debt discount and premium and issuance expenses		288		460		456		686		580
Adjusted interest charges		18,564		22,893		15,897		13,684		14,184
Add: Net amortization of debt discount and premium and issuance expense		288		460		456		686		580
Interest portion of rental charges		414		686		552		542		555
Total fixed charges	$	19,266	$	24,039	$	16,905	$	14,912	$	15,319
Earnings:
Pre-tax earnings	$	198,703	$	235,164	$	201,893	$	167,219	$	133,846
Interest charges		18,564		22,893		15,897		13,684		14,184
Net amortization of debt discount and premium and issuance expense		288		460		456		686		580
Interest portion of rental charges		414		686		552		542		555
Total earnings	$	217,969	$	259,203	$	218,798	$	182,131	$	149,165
Ratio of earnings to fixed charges		11.3		10.8		12.9		12.2		9.7

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.