The reason why I asked this question is not because I did not do research, but because I did not find my answer after searching this forum, the SHOUTclub forum, and the Internet with Google.
I would expect that someone has written a comprehensive FAQ, but I certainly couldn't find it.
Also, getting responses of "search for '128k'" and it's ilk really do not help much. It is simply a waste of everyone's time and bandwidth.
For all those interested in the answer
to this question, see this excellent article