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Note C - Finance Receivables, Net (Tables)

12 Months Ended

Apr. 30, 2013

Financing Receivables [Abstract]

Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block]

(In thousands)		April 30, 2013				April 30, 2012
Gross contract amount		$	414,614			$	359,364
Less unearned finance charges			(51,220	)			(42,430	)
Principal balance			363,394				316,934
Less allowance for credit losses			(75,345	)			(65,831	)
Finance receivables, net		$	288,049			$	251,103

Change in Finance Receivables, Net

		Years Ended April 30,
(In thousands)		2013				2012				2011
Balance at beginning of period		$	251,103			$	222,305			$	205,423
Finance receivable originations			387,895				354,328				311,249
Finance receivable collections			(207,713	)			(200,697	)			(188,840	)
Provision for credit losses			(96,035	)			(81,638	)			(70,964	)
Losses on claims for payment protection plan			(7,544	)			(6,053	)			(4,927	)
Inventory acquired in repossession and payment protection plan claims			(39,657	)			(37,142	)			(29,636	)
Balance at end of period		$	288,049			$	251,103			$	222,305

Allowance for Credit Losses on Financing Receivables [Table Text Block]

		Years Ended April 30,
(In thousands)		2013				2012				2011
Balance at beginning of period		$	65,831			$	60,173			$	55,628
Provision for credit losses			96,035				81,638				70,964
Charge-offs, net of recovered collateral			(86,521	)			(75,980	)			(66,419	)
Balance at end of period		$	75,345			$	65,831			$	60,173

Past Due Financing Receivables [Table Text Block]

(Dollars in thousands)		April 30, 2013								April 30, 2012
		Principal Balance				Percent of Portfolio				Principal Balance				Percent of Portfolio
Current		$	284,441				78.27	%		$	262,325				82.77	%
3 - 29 days past due			60,477				16.64	%			41,508				13.10	%
30 - 60 days past due			10,232				2.82	%			8,818				2.78	%
61 - 90 days past due			6,280				1.73	%			3,627				1.14	%
> 90 days past due			1,964				0.54	%			656				0.21	%
Total		$	363,394				100.00	%		$	316,934				100.00	%

Financing Receivable Credit Quality Indicators [Table Text Block]

		Twelve Months Ended April 30,
		2013				2012
Principal collected as a percent of average finance receivables			60.6	%			65.6	%
Average down-payment percentage			6.6	%			7.0	%

		April 30, 2013				April 30, 2012
Average originating contract term (in months)			27.2				26.8
Portfolio weighted average contract term, including modifications (in months)			29.3				28.1

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Tabular disclosure of the change in finance receivables over specified time period

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- Definition

Tabular disclosure of financing receivables (examples of financing receivables include loans, trade accounts receivable and notes receivable) and activity in the allowance for credit losses account.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

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Tabular disclosure of financing receivables by credit quality indicator. The credit quality indicator is a statistic about the credit quality of financing receivables. Examples include, but not limited to, consumer credit risk scores, credit-rating-agency ratings, an entity's internal credit risk grades, loan-to-value ratios, collateral, collection experience and other internal metrics.

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Tabular disclosure of financing receivables that are past due but not impaired, financing receivables that are 90 days past due and still accruing, and financing receivables on nonaccrual status.

+ References

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Tabular disclosure of the various types of trade accounts and notes receivable and for each the gross carrying value, allowance, and net carrying value as of the balance sheet date. Presentation is categorized by current, noncurrent and unclassified receivables.

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