COMPUTATION OF RATIO OF EARNINGS TO FIXED CHARGES

Published on July 17, 2001


EXHIBIT 12.1

Computation of Ratio of Earnings to Fixed Charges



FOR THE THREE
MONTHS ENDED
MARCH 31, FOR THE YEAR ENDED DECEMBER 31,
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2001 2000 2000 1999 1998 1997 1996 1995
------- ------- -------- --------- -------- -------- -------- --------
(IN THOUSANDS)

Earnings ............................. $44,905 $24,075 $127,228 $ 104,241 $ 74,577 $139,249 $156,160 $162,786
Add:
Income taxes ...................... 876 420 4,648 (1,525) (20,475) -- -- --
Fixed charges:
Interest on Bank Facility ....... 864 4,252 17,167 9,934 4,473 4,271 6,553 6,424
Interest on Trust Preferred ..... 1,847 1,859 7,582 8,288 8,540 6,998 -- --
Other interest expense .......... -- 87 349 349 290 259 112 84
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Earnings before income taxes and
fixed charges ..................... $48,492 $30,693 $156,974 $ 121,287 $ 67,405 $150,777 $162,825 $169,294
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Fixed charges:
Interest expense (Bank Facility) .. 864 4,252 17,167 9,934 4,473 4,271 6,553 6,424
Interest expense (Trust Preferred). 1,847 1,859 7,582 8,288 8,540 6,998 -- --
Interest expense (Other) .......... -- 87 349 349 290 259 112 84
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Total interest .................. 2,711 6,198 25,098 18,571 13,303 11,528 6,665 6,508
Preference share dividends ........ -- -- -- -- -- -- -- 2,536
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Total fixed charges .................. $ 2,711 6,198 $ 25,098 $ 18,571 $ 13,303 $ 11,528 $ 6,665 $ 9,044
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Ratio of earnings to fixed charges ... 17.89 4.95 6.25 6.53 5.07 13.08 24.43 26.01
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Ratio of earnings to combined fixed
charges and preference share
dividends ......................... 17.89 4.95 6.25 6.53 5.07 13.08 24.43 18.72
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