1. Summary of Significant Accounting Policies (Tables)

12 Months Ended

Dec. 31, 2015

Accounting Policies [Abstract]

Other Income

The following table presents the primary components of Other Income:

	Year Ended December 31,
	2015		2014		2013
	(In thousands)
Direct mail revenues	$	8,927	$	7,975	$	7,004
Convenience fee revenue		2,610		3,300		2,965
Recoveries on previously charged-off contracts		1,079		143		177
Sales tax refunds		616		500		197
Other		187		228		62
	$	13,419	$	12,146	$	10,405

Earnings Per Share

The following table illustrates the computation of basic and diluted earnings per share:

	Year Ended December 31,
	2015		2014		2013
	(In thousands, except per share data)
Numerator:
Numerator for basic and diluted earnings per share	$	34,681	$	29,516	$	21,005
Denominator:
Denominator for basic earnings per share - weighted average number of common shares outstanding during the year		25,935		25,040		21,538
Incremental common shares attributable to exercise of outstanding options and warrants		5,649		6,992		10,036
Denominator for diluted earnings per share		31,584		32,032		31,574
Basic earnings per share	$	1.34	$	1.18	$	0.98
Diluted earnings per share	$	1.10	$	0.92	$	0.67