text: The effective income tax rate in 2004 was higher than in 2003 primarily due to the 
  accrual of additional state deferred taxes related to capital investments in New Jersey, 
  non-deductible costs related to a Michigan ballot initiative, overseas development costs 
  for which no tax benefit was provided, and the reversal of a greater amount of tax 
  reserves in 2003 compared to 2004 ($13 million in 2003 versus $6 million in 2004) 
  as a result of completion of audits and the expiration of statutes of limitations. The 
  effective income tax rate in 2003 was lower than in 2002 primarily due to the reversal 
  of tax reserves in 2003. Excluding the reversal, our effective income tax rate was 
  approximately the same in both periods. 
  
  In 2004, taxes paid increased from prior years, primarily due to increased book income 
  and the full utilization of tax credit carryforwards in 2003. Except for 2003, when we 
  made payments to settle IRS audits of prior years, taxes paid have generally been 
  significantly lower than our income tax provision. This is primarily due to accelerated 