Installation of 95UTIL.EXE: To uncompress the file: 1. Go to START, PROGRAMS, MS-DOS prompt. 2. At the DOS prompt type: x:\95util NOTE: x:\ being the drive and directory where the 95util.exe file is. To install the utility: 1. Go to Start, Programs, Windows Explorer. 2. Highlight the ref_rate.inf file and click the right mouse button, go to install. To use the utility: 1. Go to MY COMPUTER icon and double click on CONTROL PANEL. 2. Double click on DISPLAY. There will be a refresh tab for changing the rates.