I finished building my new comp recently. It has Realtek 97 audio onboard. MP3's sound good normally, but it crackles when I open a new window, another program, minimize or maximize a window, etc. It also does this in games when it experiences a "suddenness" in sounds (big explosion, etc.) It also crackles at startup and at shrill sounds like the chime for yahoo messenger when someone sends you a new message. I have a gig of RAM, so the amount of memory shoudn't be the issue. I've also updated the latest driver for the audio from MSI's website. Thanks for your help.
