U. S. GOVERNMENT SECURITIES (Details) (U.S. government securities, USD $)	Jan. 31, 2015	Jan. 31, 2014
U.S. government securities
Carrying Value
Due within one year	$ 510,573	$ 205,055
Due after one year	255,759	510,573
Total	766,332	715,628
Fair Value
Due within one year	501,668	205,057
Due after one year	255,487	507,996
Total	$ 757,155	$ 713,053

Amount after other than temporary impairment (OTTI) accretion, of investments in debt securities classified as held-to-maturity.

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Amount of held-to-maturity debt securities at fair value maturing in the second fiscal year through the fifth fiscal year following the latest fiscal year.

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Carrying amount of debt securities accounted for as held-to-maturity, net of adjustments including, but not limited to, accretion, amortization, collection of cash, previous other-than-temporary impairments (OTTI) recognized, and fair value hedge accounting adjustments, maturing in the next fiscal year through the fifth fiscal year following the latest fiscal year.

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Amount of held-to-maturity debt securities at fair value maturing in the next fiscal year following the latest fiscal year.

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Fair value of investments in debt securities classified as held-to-maturity.

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