text: We believe the allowance for credit losses is adequate to cover anticipated losses in our credit card receivables under current conditions; 
  however, significant deterioration in any of the factors mentioned above could materially change these expectations. During 2014, our net 
  write-off results continued to improve. As a result, we reduced our allowance for credit losses by $5 during 2014, from $80 to $75, and by $5 
  in 2013, from $85 to $80. A 10% change in our allowance for credit losses would have affected net earnings by approximately $5 for the fiscal 
  year ended January 31, 2015. 