I'll try, I have a T5 and was confused by the amount of memory also. the memory is split, 32Mb of main memory listed on the palm desktop as 'Handheld' the rest is seperate and listed as INTERNAL. Almost as a seperate card. This is the memory that can be used as a USB drive.
Gary -- For information on using the PalmSource Developer Forums, or to unsubscribe, please see http://www.palmos.com/dev/support/forums/
