text: **2.85**
  
  Stock-based compensation under SFAS 123 . . . .  **(0.16)**
  
  Pro forma . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .**$** **2.69**
  
  Reported net income includes $5 million, $5 million and $3 million, net of tax, of 
  amortization of restricted stock and non-employee stock option compensation for the 
  years ended December 31, 2004, 2003 and 2002, respectively. For purposes of com- 
  puting the pro forma compensation, the fair value of each option grant was estimated 
  on the date of grant using the Black-Scholes option-pricing model with the following 
  weighted-average assumptions: risk-free interest rates of 3% in 2004, 3% in 2003, and 
  4% in 2002; no expected dividend yields for the years presented; expected lives of 5 
  years for the years presented; and expected volatility of 42% in 2004, 42% in 2003 
  and 50% in 2002. The estimated weighted average fair value of options granted in 
  2004, 2003 and 2002 was $19.10, $10.64 and $16.32, respectively. 