ok I think I got that part now as it relates to the USB section, what about if your not messing with USB at all though and you want to run your chip at a higher frequency than the crystal your using, say I have a 4mhz but I want my chip to run at 20mhz. is that possible, or am I supposed to be using CPU DIV for that and get 16mhz? or would I have to just start with a large freq crystal and just downgrade its freq. thats where im getting confused. I have many 4mhz &8mhz crystals and a single 20mhz, and a couple of oddballs that are not suitable for pics. I can order 48mhz ones though if I need too.