Income Taxes (Tables)

12 Months Ended

Dec. 31, 2013

Income Taxes [Abstract]

Schedule Of Income Tax Provision

(In millions)	For the Years Ended December 31,
	2013		2012		2011
Income before provision for income taxes:	$	398.2	$	343.1	$	296.4
Current provision for income taxes:
Federal	$	128.4	$	94.9	$	87.7
State		7.4		3.5		6.3
		135.8		98.4		94.0
Deferred provision for income taxes:
Federal		8.7		23.6		13.3
State		0.1		1.4		2.0
		8.8		25.0		15.3
Interest and penalties expense (benefit):
Interest		0.5		-		(0.7	)
Penalties		-		-		(0.2	)
		0.5		-		(0.9	)
Provision for income taxes	$	145.1	$	123.4	$	108.4

Schedule Of Deferred Tax Assets And Liabilities

(In millions)	As of December 31,
	2013		2012
Deferred tax assets:
Allowance for credit losses	$	71.5	$	64.2
Stock-based compensation		12.6		10.0
Deferred state net operating loss		3.0		1.9
Other, net		7.9		6.6
Total deferred tax assets		95.0		82.7
Deferred tax liabilities:
Valuation of Loans receivable		242.3		220.5
Deferred Loan origination costs		3.3		3.7
Other, net		6.6		6.9
Total deferred tax liabilities		252.2		231.1
Net deferred tax liability	$	157.2	$	148.4

Schedule Of Reconciliation Of The U.S. Federal Statutory Rate To Effective Tax Rate

	For the Years Ended December 31,
	2013			2012			2011
U.S. federal statutory rate		35.0	%		35.0	%		35.0	%
State income taxes		1.4	%		1.4	%		2.1	%
Changes in reserve for uncertain tax positions as a result of settlements and lapsed statutes and related interest		-0.3	%		-0.6	%		-0.5	%
Other		0.3	%		0.2	%		-	%
Effective tax rate		36.4	%		36.0	%		36.6	%

Schedule Of Unrecognized Tax Benefits

(In millions)	For the Years Ended December 31,
	2013			2012			2011
Unrecognized tax benefits at January 1,	$	11.0		$	10.0		$	7.8
Additions based on tax positions related to current year		3.6			3.1			2.7
Additions in tax positions of prior years		-			-			0.4
Reductions for tax positions of prior years		-			(0.4	)		-
Settlements		-			(0.2	)		-
Reductions as a result of a lapse of the statute of limitations		(1.4	)		(1.5	)		(0.9	)
Unrecognized tax benefits at December 31,	$	13.2		$	11.0		$	10.0