Two quick pleas. 
1. I am about to join the rest of the world,it seems, and buy a v34 modem
for Inet access.  Does anyone have any caveats re:makes/suppliers etc?  I
work on the KISS principle and do not anticipate doing anything out of the
ordinary (whatever that is!)
2.  More simply, has anyone found a good PD/Sware Financial calculator for
Win95/3.1 or Dos?

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