Sep. 2003 Actiontec shipped V90 driver.inf files for all OSs except WinXp. XP driver worked with WinME for me. Modem on hold is NOT V92 compliant and disconnects on all incoming calls. CallWaiting utility reports settings successful but testing in hyperterminal reports ERROR This is a problem with the firmware. Tech support shipped me NEW driver disk, same as old. Kept me on the phone forever, Toll call.