I'm normally pretty mean with my money but this time I looked around a bit at all the mail order options, of which there weren't all that many for USB, but in the end opted to pay a little over the odds and bought from a shop I could take it back to if it ever goes wrong. You're right about Win 95/98. The Mitsumi manual says you should only use W98, though in some places it implies it will work with W95 but they won't guarantee it. Do you really need to do a reformat for W98? Surely it will just change the operating system and leave everything else untouched.