I am reading a number of statements in this topic that worry me. ....
peter, you are fairly right from the point of view of a programmer, although even this is not the whole story.
i've mentioned before, W95/98/ME manages memory not in the same way as W2K/XP does and i'm sure, nobody would be interested in an excurse regarding page faults, stack, heap and similar.
the term *virtual memory* is commonly used for a swapfile, even MSDN (microsoft developer network) is telling us: *Virtual memory is the space on the hard disk that Windows 2000 uses as memory* and the wording in the taskmanager is quite the same - so i think everybody understands, what's meant.
fact is, that many users would be happy to use _more_ than 1GB, which is not resp. hardly possible with 98 (besides other issues with this OS, i don't want to expand here - you have mentioned one)
unfortunately the same with most (nearly all) W2K/XP installations - but not because of the operating-system or memory-management but because of the design of the endless-wave-engine (developed by rockwell 1996 for modems, iirc)
i will be happy to discuss with you further details via PM
christian
and remember: only a CRAY can run an endless loop in just three seconds.