Memory MUST PROVE POINT!

Ok. I have a friend who doesnt believe me about a memory issue (ram). Sooo, I must prove it to him by having YOU answer. Yes points will be awarded to everyone who answers correctly to this stuipd question. Ok, I have FIC az11 board which supports up to 1.5 gig sdram 133 mhz. I have 384 installed. Now, im running 98. It recognizes all of it. The thing is, my friend is INSISTING that windows only uses 128 megs MAXIMUM no matter what you are doing. Now, whats the deal>