Sure they add up. 1) This is for the quarter ending 12-31-04 BEFORE "no late fees" was announced or promoted. 2) Compareable earnings are over 75% below last years if you take out the "goodwill charge".
The only "buryed" costs are in the leasing of properties where they will restate earnings over the last couple years at least because of the way they accounted for leases and the fictional 4th quarter "free" cash flow. My cash flow would look really good too if I put off a quarter billion dollars in bills for a month or so:_)