Look at 32-bit architecture as a 4 lane highway versus a 2 lane highway. More lanes allow more information to flow at the same time. Windows 3.1 and DOS are 16-bit operating systems and represent a 2 lane highway. Windows 98, Windows ME, Windows NT Windows 2000, and Windows XP are 32-bit operating systems and represent a 4 lane highway. Agency Systems is a true 32-bit program that runs native to Windows 98/NT/2000/XP and takes full advantage of the 32-bit features inherent in these operating systems improved reliability with greatly enhanced speed.