Nine Months

Year Ended December 31

Ended September 30

-------------------------------------------------------------------------------------

------------------------------

1995

1996

1997

1998

1999

1999

2000

--------------

--------------

----------------

----------------

--------------

-------------

--------------

(dollar amounts expressed in thousands)

Interest costs

$

135,130

$

128,360

$

137,350

$

159,870

$

146,124

$

109,096

$

114,627

Guarantee of interest on ESOP debt

19,339

17,874

16,341

14,671

12,856

9,707

8,238

Interest capitalized during the period

3,549

17,778

10,575

1,341

238

212

743

Interest factor related to noncapitalized leases (a)

8,600

12,982

11,931

11,308

13,065

9,571

8,710

--------------

--------------

----------------

----------------

--------------

-------------

--------------

   Total fixed charges

$

166,618

$

176,994

$

176,197

$

187,190

$

172,283

$

128,586

$

132,318

========

========

=========

=========

========

=======

========

Income (loss) before income taxes,
   minority interest, and cumulative effect of
   accounting change

$

589,410

$

31,340

$

(28,930

)

$

(16,878

)

$

355,940

$

225,123

$

266,580

Undistributed (earnings) losses of less than 50%
   owned entities, net of distributions received

(36,861

)

(1,290

)

5,180

3,791

(6,115

)

(6,024

)

(3,609

)

Total fixed charges

166,618

176,994

176,197

187,190

172,283

128,586

132,318

Less:   Interest capitalized

(3,549

)

(17,778

)

(10,575

)

(1,341

)

(238

)

(212

)

(743

)

            Guarantee of interest on ESOP debt

(19,339

)

(17,874

)

(16,341

)

(14,671

)

(12,856

)

(9,707

)

(8,238

)

--------------

--------------

----------------

----------------

--------------

------------

--------------

Total earnings before fixed charges

$

696,279

$

171,392

$

125,531

$

158,091

$

509,014

$

337,766

$

386,308

========

========

=========

=========

========

=======

========

Ratio of earnings to fixed charges

4.18

-

-

-

2.95

2.63

2.92

Excess of fixed charges over earnings before
   fixed charges

$

-

$

5,602

$

50,666

$

29,099

$

-

$

-

$

-

(a) Interest expense for operating leases with terms of one year or longer is based on an imputed interest rate for each lease.