PC> Sorry for asking this off-topic question, but I don't want to subscribe
 PC> to the Windows Echo just for this one simple question.

 PC> Do Windows 95 TEXT MODE apps that are compiled with Win95 compilers, use
 PC> 16:16 or 0:32 memory addressing?

Seeing as they are actually Win32 Console mode applications, they are using
0:32.  (I've used more than 1MB of memory in a single allocation under that
mode ... )

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