Precious stone grading and appraisal system and equipment, namely, gem, mineral, and stone color comparison, referencing, grading and appraisal tool using a colored layer over reflective foil to mimic the color of gems, minerals and stones, and instruction manual for using the tool; gem, mineral, and stone color comparison, grading and appraisal tool using colored gel filters and reflective foil to mimic the color of gems, minerals and stones