INCOME TAXES

A reconciliation of the U.S. federal statutory rate to our effective tax rate is as follows:



	For the Three Months Ended September 30,				For the Nine Months Ended September 30,
	2015		2014		2015		2014
U.S. federal statutory rate	35.0	%	35.0	%	35.0	%	35.0	%
State income taxes	1.8	%	0.9	%	1.8	%	1.5	%
Other	0.4	%	-0.1	%	0.2	%	0.1	%
Effective tax rate	37.2	%	35.8	%	37.0	%	36.6	%

The differences between the U.S. federal statutory rate and our effective tax rate are primarily due to state income taxes. The increases in the effective tax rates for the three and nine months ended September 30, 2015 compared to the same periods in 2014 were primarily due to higher effective tax rates in certain state tax jurisdictions.