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">> My notebook, with a somewhat smaller set of "extras" loaded at >>bootup and 24 MB of physical RAM, says it has about 87% of the RAM used >>up--about 21 MB used up front upon startup." Worrying about such a situation is a hold over from working with junk operating systems without virtual memory. In general one expects all the RAM you have to be used up all the time, except perhaps at startup time before you have done anything (as in this case). In any decent operating system, stuff stays around in memory and is only evicted if necessary. The Norton utility generally provides completely meaningless figures. It is a hold over from DOS days.