I've also "known" (as far as I can tell) that a 32-bit OS has a limit to the amount of memory it can address, which people consider to be between 3 and 4.2gb. However, a colleague at work is currently insisting that his 32-bit OS at home can access all 16gb of his memory. He couldn't clearly explain how, but insisted that there was a workaround. I was hoping one of you OcUKers could help me. 

Unrelatedly he also insists that your 'real' downstream bandwidth is ALWAYS one eighth of the advertised bandwidth... when I explained he was just converting from bits to bytes he shook his head and said that he was already talking bytes. It's a shame to know that people are living under falsehoods, but some people are impossible to correct/enlighten.