Prospectus excerpt:  Securities Offered: 5,000,000 depositary shares, each representing 1/1,000th of a share of 7.625% Series A Preferred Stock (plus up to 750,000 depositary shares issuable upon exercise of the underwriters' over-allotment option).

Dividend Rate and Payment Dates: Dividends will be payable quarterly in arrears on the 15th day of January, April, July and October of each year, when, as, and if declared by the company, beginning on October 15, 2005 at the fixed rate of $1,906.25 per share ($1.90625 per depositary share) of Series A Preferred Stock each year, which is equivalent to 7.625% of the $25,000.00 liquidation preference ($25.00 per depositary share). Dividends on the Series A Preferred Stock are not cumulative and, accordingly, if for any reason they do not declare a dividend on the Series A Preferred Stock for a quarterly dividend period, holders of the Series A Preferred Stock will have no right to receive a dividend for that period, and we will have no obligation to pay a dividend for that period, whether or not they pay dividends in full or have sufficient funds to pay dividends in the future. Their debt instruments limit their ability to pay dividends.

Liquidation Preference: The liquidation preference of each share of Series A Preferred Stock is $25,000.00 (equivalent to $25.00 per depositary share). Upon liquidation, holders of Series A Preferred Stock will be entitled to receive the liquidation preference with respect to their Series A Preferred Stock plus an amount equal to accrued but unpaid dividends for the then-current quarterly dividend period, if any.

Optional Redemption: The Series A Preferred Stock is not redeemable prior to July 12, 2010. On and after July 12, 2010, the company may, at their option, redeem the Series A Preferred Stock, in whole, or from time to time, in part, for $25,000.00 per share of Series A Preferred Stock (equivalent to $25.00 per depositary share), payable in cash, plus accrued and unpaid dividends through the date of redemption for the then-current quarterly dividend period, if any.

Maturity : The Series A Preferred Stock does not have any maturity date. Accordingly, the Series A Preferred Stock will remain outstanding indefinitely unless they decide to redeem it.

Ranking: The Series A Preferred Stock will rank senior to their common stock, and will be of equal rank with any parity securities that we may issue in the future, in each case with respect to the payment of dividends and amounts upon liquidation, dissolution or winding up.

Voting Rights: Holders of the Series A Preferred Stock generally will have no voting rights. However, if dividends on the Series A Preferred Stock and any other class or series of preferred stock ranking on a parity with the Series A Preferred Stock which are entitled to similar voting rights have not been paid in an aggregate amount equal to at least six full quarterly dividend payments (whether or not consecutive), holders of the Series A Preferred Stock and any such other class or series of preferred stock (voting as a single class) will be entitled to nominate two persons as Advisory Directors to attend, but not to vote at, certain Board of Directors' meetings until full dividends have been paid for at least four consecutive quarterly dividend periods. In addition, certain materially adverse changes to the terms of the Series A Preferred Stock cannot be made without the affirmative vote of at least a majority of the shares of Series A Preferred Stock.

Conversion: The Series A Preferred Stock is not convertible into, or exchangeable for, any of our other property or securities.