max RAM limitation in windows 98

can you believe it, today in 2010, i still installing windows 98se!
this happened because the tax program that can only works in native DOS.
but since its been years ago that i last installed this OS, i haven’t met this problem i encounter today:
Insufficient memory to initialize Windows.
Quit one or more memory-resident programs or remove unnecessary utilities from your CONFIG.SYS and AUTOEXEC.BAT files, and restart your computer. Continue reading