Commitments and Contingencies (Tables)

12 Months Ended

Apr. 30, 2011

Commitments and Contingencies

Schedule of Deferred Revenue Related to the Peace of Mind Program

(in 000s)
Year Ended April 30,	2011			2010
Balance, beginning of the year	$	141,542		$	146,807
Amounts deferred for new guarantees issued		77,474			74,889
Revenue recognized on previous deferrals		(78,413	)		(80,154	)
Balance, end of the year	$	140,603		$	141,542

Future Minimum Operating Lease Commitments

	(in 000s)
2012	$	238,167
2013		181,044
2014		128,063
2015		84,138
2016		35,942
2017 and beyond		67,694
	$	735,048

Claims Received by Loan Origination Year

																									(in millions)
			Fiscal Year 2009								Fiscal Year 2010								Fiscal Year 2011
	Q1		Q2		Q3		Q4		Q1		Q2		Q3		Q4		Q1		Q2		Q3		Q4		Total
Loan Origination Year:
2005	$	40	$	21	$	1	$	–	$	–	$	15	$	–	$	–	$	6	$	1	$	–	$	1	$	85
2006		89		10		111		7		2		57		4		45		100		15		29		50		519
2007		43		10		85		15		4		11		7		–		3		5		4		4		191
Total	$	172	$	41	$	197	$	22	$	6	$	83	$	11	$	45	$	109	$	21	$	33	$	55	$	795

Rollforward of Reserve for Losses on Repurchases

							(in 000s)
Year Ended April 30,	2011			2010			2009
Balance as of May 1:
Amount related to repurchase and indemnifications	$	138,415		$	156,659		$	193,066
Amount related to indemnity agreement dated April 2008		49,785			49,936			50,000
		188,200			206,595			243,066
Changes:
Provisions		–			–			–
Losses on repurchase and indemnifications		(12,155	)		(18,244	)		(36,407	)
Payments under indemnity agreement dated April 2008		(49,785	)		(151	)		(64	)
Balance as of April 30:
Amount related to repurchase and indemnifications		126,260			138,415			156,659
Amount related to indemnity agreement dated April 2008		–			49,785			49,936
	$	126,260		$	188,200		$	206,595