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Commitments And Contingencies (Tables)

9 Months Ended

Jan. 31, 2012

Commitments And Contingencies [Abstract]

Schedule Of Deferred Revenue Related To The Peace Of Mind Program


		(in 000s)
Nine months ended January 31,	2012	2011
Balance, beginning of period	$ 140,603	$ 141,542
Amounts deferred for new guarantees issued	19,471	19,376
Revenue recognized on previous deferrals	(57,254 )	(59,882 )

Balance, end of period	$ 102,820	$ 101,036

Schedule Of Contractual Obligations And Commitments


		(in 000s)
As of	January 31, 2012	April 30, 2011
Franchise Equity Lines of Credit – undrawn commitment	$ 22,209	$ 37,695
Media advertising purchase obligation	5,714	9,498

Claims Received By Loan Origination Year


													(in millions)
	Fiscal Year	Fiscal Year 2010				Fiscal Year 2011				Fiscal Year 2012
	2009	Q1	Q2	Q3	Q4	Q1	Q2	Q3	Q4	Q1	Q2	Q3	Total
Loan Origination Year:
2005	$ 62	$ —	$ 15	$ —	$ —	$ 6	$ 1	$ —	$ 1	$ —	$ —	$ 4	$ 89
2006	217	2	57	4	45	100	15	29	50	29	130	29	707
2007	153	4	11	7	—	3	5	4	4	2	353	2	548

Total	$ 432	$ 6	$ 83	$ 11	$ 45	$ 109	$ 21	$ 33	$ 55	$ 31	$ 483	$ 35	$ 1,344

Rollforward Of Reserve For Losses On Repurchases


		(in 000s)
Nine months ended January 31,	2012	2011
Balance at beginning of period:
Amount related to repurchase and indemnifications	$ 126,260	$ 138,415
Amount related to indemnity agreement dated April 2008	—	49,785

	126,260	188,200

Changes:
Provision for estimated losses	20,000	—
Losses on repurchase and indemnifications	(3,337 )	(7,652 )
Payments under indemnity agreement dated April 2008	—	(25,562 )

Balance at end of period:
Amount related to repurchase and indemnifications	142,923	130,763
Amount related to indemnity agreement dated April 2008	—	24,223

	$ 142,923	$ 154,986

- Definition

The entire disclosure for significant arrangements with third parties, which includes operating lease arrangements and arrangements in which the entity has agreed to expend funds to procure goods or services, or has agreed to commit resources to supply goods or services, and operating lease arrangements. Descriptions may include identification of the specific goods and services, period of time covered, minimum quantities and amounts, and cancellation rights.

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