:     This may be an FAQ (if so, please direct me to the known answer) but I
:     am getting frustrated and looking for help.
: 
:     I am running Win 3.1 with NDW 2.2 on a 486sx with 8 meg of memory and a
:     6 meg perm swap file and am getting exceedingly frustrated that my
:     applications are not giving back system resources when I close them.
:
I've noticed this also.  The way it was explained to me is that Windows
does not clear the upper memory blocks after a program is done.  Anyone
out there know if this is why?