Employee Benefit Plans	12 Months Ended
Oct. 31, 2012
Employee Benefit Plans	8. Employee Benefit Plans The Company has an Employee Stock Ownership Plan (“ESOP”) covering substantially all employees. Contributions to the ESOP are made at the discretion of the Company’s Board of Directors. Total contributions to the ESOP were $3,800,000 and $9,000,000 in fiscal 2012 and 2010, respectively. The Company did not make a contribution to the ESOP during fiscal 2011, as contributions are dependent upon profitability. The Company has a 401(k) Plan which covers substantially all employees after one year of service. Participants in the Plan may contribute up to the maximum allowed by IRS regulations. The Company matches 100% of employee contributions to the 401(k) Plan up to 3% of each employee’s salary, and 50% of employee contributions between 3% and 5% of each employee’s salary. The Company’s contributions to the 401(k) Plan totaled $5,481,000 in fiscal 2012, $4,992,000 in fiscal 2011, and $4,505,000 in fiscal 2010.

Employee Benefit Plans

12 Months Ended

Oct. 31, 2012

8. Employee Benefit Plans

The Company has an Employee Stock Ownership Plan (“ESOP”) covering substantially all employees. Contributions to the ESOP are made at the discretion of the Company’s Board of Directors. Total contributions to the ESOP were $3,800,000 and $9,000,000 in fiscal 2012 and 2010, respectively. The Company did not make a contribution to the ESOP during fiscal 2011, as contributions are dependent upon profitability.

The Company has a 401(k) Plan which covers substantially all employees after one year of service. Participants in the Plan may contribute up to the maximum allowed by IRS regulations. The Company matches 100% of employee contributions to the 401(k) Plan up to 3% of each employee’s salary, and 50% of employee contributions between 3% and 5% of each employee’s salary. The Company’s contributions to the 401(k) Plan totaled $5,481,000 in fiscal 2012, $4,992,000 in fiscal 2011, and $4,505,000 in fiscal 2010.