It all depends. Sometimes you will notice that a application takes upwards of 20MB to run. Now if you only have 256MB of RAM you cant use over 20MB for jsut 1 application. So the OS has to determine what is going to be used from RAM and what isnt. So it is decided from the programmer and also from the settings of the OS. It isnt always Virtual Memory since i have mine off. I also have 1.5GB of RAM to use. So if a programmer knows that his application is resource heavy, Norton for example, Then they would state that 20% is used by system resources and the other 80% is used by the system. Like i said it all comes down to your system settings and how much RAM you have. Nothing out there will only use 1 or the other. They all use some of both.