Commitments And Contingencies (Tables)

3 Months Ended

Jul. 31, 2011

Commitments And Contingencies

Schedule Of Deferred Revenue Related To The Peace Of Mind Program

					(in 000s)
Three months ended July 31,		2011			2010
Balance, beginning of period	$	140,603		$	141,542
Amounts deferred for new guarantees issued		553			654
Revenue recognized on previous deferrals		(27,181	)		(28,547	)
Balance, end of period	$	113,975		$	113,649

Schedule Of Contractual Obligations And Commitments

As of		July 31, 2011		April 30, 2011
Franchise Equity Lines of Credit – undrawn commitment	$	38,319	$	37,695
Media advertising purchase obligation		9,690		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		Total
Loan Origination Year:
2005	$	62	$	-	$	15	$	-	$	-	$	6	$	1	$	-	$	1	$	-	$	85
2006		217		2		57		4		45		100		15		29		50		29		548
2007		153		4		11		7		-		3		5		4		4		2		193
Total	$	432	$	6	$	83	$	11	$	45	$	109	$	21	$	33	$	55	$	31	$	826

Note: The table above excludes amounts related to an indemnity agreement dated April 2008, which is discussed below.

Rollforward Of Reserve For Losses On Repurchases

					(in 000s)
Three months ended July 31,		2011			2010
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:
Provisions		-			-
Losses on repurchase and indemnifications		(485	)		-
Payments under indemnity agreement dated April 2008		-			(70	)
Balance at end of period:
Amount related to repurchase and indemnifications		125,775			138,415
Amount related to indemnity agreement dated April 2008		-			49,715
	$	125,775		$	188,130