Consolidated Balance Sheets - USD ($)	May 31, 2014	May 31, 2013
Investments and Cash:
Bonds and mortgaged-back securities available for sale, at fair value (amortized cost - 5/31/14 $6,192,278; 5/31/13 $5,374,252)	$ 6,305,106	$ 5,472,116
Equity investments available for sale, at fair value, net (cost - 5/31/14 $790,368; 5/31/13 $455,708)	816,460	454,639
Short-term investments ($2,038,614 total held before restrictions)	301,262	1,255,234
Cash ($669,897 total held before restrictions)	341,817	292,226
Restricted cash and short term investments	2,065,432	23,000
Total Investments and Cash	9,830,077	7,497,215
Investment income due and accrued	62,091	41,605
Premiums and other accounts receivable, net of allowance for doubtful accounts of $32,594	228,752	258,698
Prepaid reinsurance premium	215,616	196,565
Funds deposited with Reinsurers	10,615	90,647
Deferred policy acquisition costs	152,608	138,497
Furniture, automobile, and equipment, net of accumulated depreciation of $113,302 and $102,616, respectively	4,735	11,719
Due from related party		175,312
Other assets	92,099	99,187
Intangible assets	150,000	150,000
TOTAL ASSETS	10,746,593	8,659,445
LIABILITIES AND STOCKHOLDERS' EQUITY (DEFICIT)
Reserve for losses and loss expenses	1,286,018	1,207,903
Reserve for unearned premiums	658,467	621,974
Advanced premium	122,240	117,920
Accrued expenses and professional fees payable	758,900	737,925
Accounts payable	213,834	295,960
Due to related party	154,790	124,409
Term and demand notes payable to related party		435,000
Notes payable	5,220,350	4,847,170
Accrued interest payable	3,237,163	2,286,052
Accrued interest payable to related party		277,769
Other liabilities	663,680	395,368
Funds held in trust for customers	2,065,432	23,000
Total Liabilities	21,315,561	17,583,943
Total Mandatorily Redeemable Convertible Preferred Stock	1,994,140	1,916,330
Stockholders' Equity (Deficit)
Common stock, $.0001 par value per share; 490 million shares authorized; 352,741,649 and 322,107,908 shares issued and outstanding at May 31, 2014 and May 31, 2013, respectively	35,274	32,211
Additional paid in capital	4,171,296	4,013,242
Accumulated deficit	(29,144,834)	(26,228,523)
Accumulated other comprehensive income	138,920	96,795
Total Stockholders' Equity (Deficit)	(12,563,108)	(10,840,829)
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY (DEFICIT)	10,746,593	8,659,445
Mandatorily Redeemable Preferred A Stock [Member]
LIABILITIES AND STOCKHOLDERS' EQUITY (DEFICIT)
Mandatorily redeemable convertible Series A Preferred Stock, $.0001 par value per share; 1 million shares authorized; 1,549 shares issued and outstanding at May 31, 2014 and May 31, 2013, respectively; stated liquidation value of $1,000 per share; aggregate liquidation value at May 31, 2014 and May 31, 2013, of $1,994,140 and $1,916,330, respectively.	1,994,140	1,916,330
Series A Preferred Stock [Member]
LIABILITIES AND STOCKHOLDERS' EQUITY (DEFICIT)
Mandatorily redeemable Series A Preferred Stock and Series B Preferred Stock; stated liquidation value ;aggregate liquidation value	1,542,922	1,482,718
Series B Preferred Stock [Member]
LIABILITIES AND STOCKHOLDERS' EQUITY (DEFICIT)
Mandatorily redeemable Series A Preferred Stock and Series B Preferred Stock; stated liquidation value ;aggregate liquidation value	5,402,046	4,990,463
Series C Preferred Stock [Member]
Stockholders' Equity (Deficit)
Series C Preferred Stock, $.0001 par value per share; 10,000 shares authorized; 6,805 shares issued and outstanding at May 31, 2014 and May 31, 2013, respectively; includes $6,205,305 and $5,214,516 accrued Series C dividends, respectively; aggregate liquidation value at May 31, 2014 and May 31, 2013, of $12,236,236 and $11,245,447, respectively.	$ 12,236,236	$ 11,245,447