FAT32 capabilities, included in Windows 95 OSR2 and Windows 98, allow you to use disk space more efficiently on very large disk drives. Unfortunately, this requires a new way to organize and access the data on your disk, and if you use a program that practices low-level access, it can cause serious damage to your files on a FAT32 disk. (Utility and anti-virus programs can cause problems on the new FAT32 disks.) This article will take you through the basics of FAT32.