because the ram is running slow than it should be so it is unstable with too many volts or something?
No...for one 2.8v isn't that much voltage, you could put it to 2.7 if it'll make you fell better but the memory doesnt seem to be the issue...well not as far as I know...have you tried running memtest86+ for like...5-6 hours to see if any errors come up?
Don't know why it'd run stable at 1:1 but go crazy once you add a divider...that's pretty strange.
Are you using the stock BIOS BTW?
You should really flash to the latest BIOS which can be found at DFIs webpage www.dfi.com
or try this one:
the 704-2bta BIOS which apparently is giving everyone lots of luck...either way, either one of those will be better than the stock BIOS...don't know why I didn't think of that earlier.
Theres the flash program.
Put that along with the BIOS .bin file on a bootable floppy....make sure the floppy is first in the boot sequence.
As soon as you see:
You just type
A:\ awdflash 704-2bta.bin /f /cc
that's of course for that 'golden' BIOS everyone is raving about..basically you type in whatever the name of the BIOS file is after you've extracted it from the zip.
the /f means to force flash and /cc is clear cmos, it's a couple triggers recommended by a couple of the DFI reps.
After you flash, go into the BIOS, Load Optimized, Save and Exit, then go back in.
PLEASE REMEMBER....if power goes off during your flash, or you botch it up in some way, you will render your board useless..