Okay I'll agree with you there, but it's not all that hard to confuse XP/W2K/NT at all since there all pretty darned close. . .or atleast in my understanding of it. And maybe it's just my imagination, but all my programs run without problems when I use a FAT32 fs w/ xp. . .like I said though, could just be my imagination. . .I do agree that the OS is what accesses the file system. . .but isn't there a difference in how the OS does the accessing depending on the type of file system, hmmm??