CONSOLIDATED STATEMENTS OF OPERATIONS (unaudited) - USD ($) shares in Thousands, $ in Thousands	3 Months Ended
	Apr. 30, 2017	Apr. 30, 2016
Revenues
Product sales	$ 251,362	$ 286,490
Repair service agreement commissions	24,696	28,185
Service revenues	3,227	3,867
Total net sales	279,285	318,542
Finance charges and other	76,541	70,571
Total revenues	355,826	389,113
Cost and expenses
Cost of goods sold, including warehousing and occupancy costs	171,950	204,466
Selling, general and administrative expense	106,537	113,247
Provision for bad debts	55,930	58,218
Other Nonrecurring (Income) Expense	1,227	526
Total cost and expenses	335,644	376,457
Operating income	20,182	12,656
Interest expense	24,008	25,896
Loss on extinguishment of debt	349	0
Income before income taxes	(4,175)	(13,240)
Provision for income taxes	(1,595)	(3,491)
Net income	$ (2,580)	$ (9,749)
Earnings per share:
Basic (in dollars per share)	$ (0.08)	$ (0.32)
Diluted (in dollars per share)	$ (0.08)	$ (0.32)
Average common shares outstanding:
Basic (in shares)	30,972	30,661
Diluted (in shares)	30,972	30,661