32-bit OS only recognises 3.2GB Ram, and not 4GB.
I agree with everything you've said, and am convinced it's the "available memory problem" I mentioned in my first response, but I always talk "around" 4GB because people tend to get very picky otherwise!

For example, my wife's XP32 box reports - and uses - 3.7GB with her 256Mb graphics card. My Vista32 box reports 3.2GB. My Vista32 box with 2x1GB graphics cards reported something less than 2GB before I upgraded to Vista64.

So, yes, it's something less than 4GB, but I avoided specific figures because it does actually vary, and it's even more confusing since Vista SP1 which correctly identifies and reports 4GB of installed memory in its 32 bit editions, whilst only actually using something less than that!

:wacko: