Reloading a saved civilization crashes (trap 5 in GalCiv.EXE) when no saved games

This is something I reported way back when the game save/restore feature was added.
If there are no saved games and I try to restore one GalCiv gets a trap 5 with the following
report:
------------------
Stardock SmartException Logging Information 06/24/02 09:44:13
-------------------------------------------------------
Versions:
Microsoft Windows Me
Internet Explorer 5.50.4134.0100

Video Card : NVIDIA GeForce2 GTS/GeForce2 Pro (IBM)
Crash Information:
Application Exception code: C0000005 ACCESS_VIOLATION
Crash Addr: 0044953F 01:0004853F E:\DRENGIN.NET\GALCIV\GALCIV.EXE

Processor Registers (x86):
EAX:00000000
EBX:83A0BD88
ECX:00000000
EDX:0056C930
ESI:83A0BCA8
EDI:00000D5C
CS:EIP:0187:0044953F
SS:ESP:018F:00A9F070 EBP:00A9F0C0
DS:018F ES:018F FS:25DF GS:0000
Flags:00010212

Call Stack:
Address Frame
0x0044953F 0x00A9F0C0 0001:4853F E:\DRENGIN.NET\GALCIV\GALCIV.EXE
0x00449F13 0x00A9F518 0001:48F13 E:\DRENGIN.NET\GALCIV\GALCIV.EXE
0x0044A219 0x00A9F97C 0001:49219 E:\DRENGIN.NET\GALCIV\GALCIV.EXE
0x0043DBBA 0x00A9F9FC 0001:3CBBA E:\DRENGIN.NET\GALCIV\GALCIV.EXE
0x004AB8AD 0x00A9FA64 MemManager::ValidPointer+AB9D
0x004ABB47 0x00A9FACC MemManager::ValidPointer+AE37
0x004A7830 0x00A9FB44 MemManager::ValidPointer+6B20
0x004CB764 0x00A9FBC4 EventSem::IsPosted+C54
0xBAABD70D 0x00A9FBF0 DDHAL32_VidMemFree+D3E
0xBFF63613 0x00A9FC10 Ordinal121+757
0xBFF848F7 0x00A9FC24 UTUnRegister+9DB
0x00A98C62 0xBFF619B8 0000:0
0x00058F64 0xC9B60F5D
---------------------
Way back then I was testing for it deliberately since the feature was new. I thought
the problem had been fixed and that we were given a message, but I have not
been testing for it for many builds, so I don't know what build lost this fix. This time
I did it by accident and got the trap 5.

Cheers,
Jack