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Stockholders' Equity | 12 Months Ended
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Dec. 31, 2012
Stockholders' Equity Note [Abstract] |
Stockholders' Equity | Note 7 - Stockholders' Equity Stock Option Plans The Company has seven stock option plans; its 1992, 1997, 1999, 2003, 2005 and two 2006 Plans (collectively, the Plans). Pursuant to the Plans, a total of 18,850,000 shares of common stock were made available for grant of stock options. Under the Plans, options have been granted to key personnel to purchase shares at not less than fair market value on the date of grant. Stock options generally vest ratably over a period of three to five years from the date of grant and must be exercised within ten years from the date of grant. The Company’s policy is to recognize compensation expense on a straight-line basis over the requisite service period for the entire award. Compensation expense is recognized only for those options expected to vest, with forfeitures estimated at the date of grant based on the Company’s historical experience and future expectations. No further grants will be made under the 1992, 1997 or 1999 Plans. Options have been granted under the Plans to independent sales agents under the same general terms and conditions as options granted to employees. Such option grants are primarily based upon profits generated and act as long-term incentives to remain with the Company. Out of the total options outstanding of 7,131,000 as of December 31, 2012, 2,513,000 have been granted to independent sales agents. Option activity for the years ended December 31, 2012 and 2011 was as follows:
|  | Shares Subject to Options |  |  | Weighted Average Exercise Price Per Share |  |  | Weighted Average Remaining Contractual Life |  |  | Aggregate Intrinsic Value (in millions) |
Outstanding, January 1, 2011 |  |  | 7,365,000 |  |  | $ | .67 |  |  |  | 2.1 |  |  | $ | - |
Forfeited / Expired |  |  | (392,000 | ) |  |  | .89 |  |  |  |  |  |  |  |  |
Exercised |  |  | (1,362,000 | ) |  |  | .46 |  |  |  |  |  |  |  |  |
Granted |  |  | 3,425,000 |  |  |  | .74 |  |  |  |  |  |  |  |  |
Outstanding, December 31, 2011 |  |  | 9,036,000 |  |  | $ | .72 |  |  |  | 3.2 |  |  | $ | 1.4 |
Forfeited / Expired |  |  | (1,630,000 | ) |  |  | 1.08 |  |  |  |  |  |  |  |  |
Exercised |  |  | (425,000 | ) |  |  | .46 |  |  |  |  |  |  |  |  |
Granted |  |  | 150,000 |  |  |  | .88 |  |  |  |  |  |  |  |  |
Outstanding December 31, 2012 |  |  | 7,131,000 |  |  | $ | .65 |  |  |  | 3.1 |  |  | $ | 2.0 |
Exercisable, December 31, 2012 |  |  | 3,402,000 |  |  | $ | .66 |  |  |  | 2.1 |  |  | $ | 1.0 |
As of December 31, 2012, there were 6,915,000 shares of common stock available for issuance pursuant to future stock option grants. Additional information regarding options outstanding as of December 31, 2012 is as follows:
|  |  | Options outstanding |  |  | Options exercisable |
Range of exercise prices |  |  | Shares |  |  | Weighted average remaining contractual life (years) |  |  | Weighted average exercise price |  |  | Shares |  |  | Weighted average exercise price |
$ | .05 - .20 |  |  |  | 108,000 |  |  |  | .4 |  |  | $ | .17 |  |  |  | 108,000 |  |  | $ | .17 |
| .24 - .65 |  |  |  | 2,739,000 |  |  |  | 2.5 |  |  |  | .41 |  |  |  | 1,650,000 |  |  |  | .39 |
| .67 - .88 |  |  |  | 3,750,000 |  |  |  | 4.0 |  |  |  | .77 |  |  |  | 1,110,000 |  |  |  | .86 |
| 1.00 – 1.48 |  |  |  | 534,000 |  |  |  | .1 |  |  |  | 1.16 |  |  |  | 534,000 |  |  |  | 1.16 |
$ | .05 – 1.48 |  |  |  | 7,131,000 |  |  |  | 3.1 |  |  | $ | .65 |  |  |  | 3,402,000 |  |  | $ | .66 |
Weighted average grant-date fair value of options granted: |  |  |
2012 |  | $ | .88 |
2011 |  | $ | .74 |
The fair value of each option grant is estimated on the date of grant using the Black-Scholes option pricing model with the following weighted average assumptions by grant year.
|  | 2012 |  |  | 2011 |
Risk-free interest rate |  |  | .5 | % |  |  | .5 | %
Expected dividend yield |  |  | 0 | % |  |  | 0 | %
Expected volatility factor |  |  | 15.90 | % |  |  | 15.10 | %
Expected option term, in years |  |  | 6.00 |  |  |  | 6.00 |
The Company recognized stock-based compensation expense related to stock options of $73,000 and $131,000 for the years ended December 31, 2012 and 2011, respectively. As of December 31, 2012, the Company had $97,000 of unrecognized stock-based compensation expense related to non-vested stock option plans that will be recognized over a period of five years.

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- Definition The entire disclosure for shareholders' equity, comprised of portions attributable to the parent entity and noncontrolling interest, if any, including other comprehensive income (as applicable). Including, but not limited to: (1) balances of common stock, preferred stock, additional paid-in capital, other capital and retained earnings; (2) accumulated balance for each classification of other comprehensive income and total amount of comprehensive income; (3) amount and nature of changes in separate accounts, including the number of shares authorized and outstanding, number of shares issued upon exercise and conversion, and for other comprehensive income, the adjustments for reclassifications to net income; (4) rights and privileges of each class of stock authorized; (5) basis of treasury stock, if other than cost, and amounts paid and accounting treatment for treasury stock purchased significantly in excess of market; (6) dividends paid or payable per share and in the aggregate for each class of stock for each period presented; (7) dividend restrictions and accumulated preferred dividends in arrears (in aggregate and per share amount); (8) retained earnings appropriations or restrictions, such as dividend restrictions; (9) impact of change in accounting principle, initial adoption of new accounting principle and correction of an error in previously issued financial statements; (10) shares held in trust for Employee Stock Ownership Plan (ESOP); (11) deferred compensation related to issuance of capital stock; (12) note received for issuance of stock; (13) unamortized discount on shares; (14) description, terms, and number of warrants or rights outstanding; (15) shares under subscription and subscription receivables, effective date of new retained earnings after quasi-reorganization and deficit eliminated by quasi-reorganization and, for a period of at least ten years after the effective date, the point in time from which the new retained dates; and (16) retroactive effective of subsequent change in capital structure. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher SEC -Name Regulation S-X (SX) -Number 210 -Section 04 -Article 3 Reference 2: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 505 -SubTopic 10 -Section 50 -Paragraph 5 -URI http://asc.fasb.org/extlink&oid=6928386&loc=d3e21488-112644 Reference 3: http://www.xbrl.org/2003/role/presentationRef -Publisher SEC -Name Regulation S-X (SX) -Number 210 -Section 02 -Paragraph 29, 30, 31 -Article 5 Reference 4: http://www.xbrl.org/2003/role/presentationRef -Publisher SEC -Name Staff Accounting Bulletin (SAB) -Number Topic 4 -Section E Reference 5: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Glossary Preferred Stock -URI http://asc.fasb.org/extlink&oid=6521494 Reference 6: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 505 -SubTopic 10 -Section 50 -Paragraph 11 -URI http://asc.fasb.org/extlink&oid=6928386&loc=d3e21564-112644 Reference 7: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 505 -SubTopic 10 -Section S99 -Paragraph 4 -Subparagraph (SAB TOPIC 4.C) -URI http://asc.fasb.org/extlink&oid=6959260&loc=d3e187143-122770 Reference 8: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 505 -SubTopic 10 -Section 50 -Paragraph 4 -URI http://asc.fasb.org/extlink&oid=6928386&loc=d3e21484-112644 Reference 9: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 505 -SubTopic 10 -Section 50 -Paragraph 3 -URI http://asc.fasb.org/extlink&oid=6928386&loc=d3e21475-112644 Reference 10: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 505 -SubTopic 10 -Section 50 -Paragraph 6 -URI http://asc.fasb.org/extlink&oid=6928386&loc=d3e21506-112644 Reference 11: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 505 -SubTopic 30 -Section 50 -Paragraph 2 -URI http://asc.fasb.org/extlink&oid=6405834&loc=d3e23285-112656 Reference 12: http://www.xbrl.org/2003/role/presentationRef -Publisher AICPA -Name Accounting Research Bulletin (ARB) -Number 43 -Section B -Paragraph 7, 11A -Chapter 1 -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. 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