	gemcraft inc gemh year net shr cts vs dlrs net vs sales mln vs mln avg shrs vs note net includes dlr pretax charge from writedown of land and abandonment of land and pretax charges of dlrs from pending rescission offer settlements with u s agencies adjustment of the prior booking of residuals arising from collateralized mortgage obligation bond issues writedowns of land held by a joint venture startup costs associated with entering new markets an increase in reserves for customer service and writeoffs and reserves for mortgage related receivables to reflect current market values reuter 
