I just recently bought a new computer that comes with a AMD Athlon 64 X2 5000+.... It of course came with windows vista home edition. It says under the computer specs that is a 32 bit operating system. So its not going to take full advantage of the 64 bit processor is it??

But since ABSOLUTLEY NO COMPUTER to date uses that much (and for that matter all computers ever made don't even use 1 exebyte) you are perfectly safe. 
