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In a OOT thread I was told by someone who has the game I would not only need a new memory card but, at least another 500MB of memory.
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Do not trust anyone telling you that you need "a new memory card" whem they mean RAM. Besides that Civ 4 will run on 512mb. If anything your video card will be the bottleneck. Try the game and then decide what to get, if you are gonna get anything at all.
http://planetcivilization.gamespy.co...ws&id=1860