I ran into the same problems with 4.03 - I ended up upgrading my mem to 512m (doubled it) and defragged the heck out of my disk. Then the problem stopped but cant load a lot of characters at a time w/o losing control of the characters. would suggest first a defrag and make sure that you have enough hard disk for paging (i dedicate one disk to do paging and nothing else with high min and max set for virtual) and taking out all programs running that you dont need. Might save you a few dollars on upgrading memory... Good Luck!