Just found this thread, admittedly haven't read all the way through, please excuse if already covered. I just upgraded from Win98SE to XP Home (yeah, I know, kind of slow to do so, but better late than never)! I'm very happy with this so far, but now I've discovered I have to close Poser to switch banks in PB1.3. Keep getting that "...fat32 ... recommend change to NTFS..." dialogue. Other than reformatting to NTFS, what can circumvent this problem; would upgrading to PB1.4 fix it? Thanks. Larry F PS: I'll go read the rest of the posts now.