This is off-topic for Asterisk, but since echo problems with the X100P cards seems to be a common issue and one which people blame on telco loops, I'd suggest getting the following gear: a 3M Dynatel subscriber loop test unit. The 745 is the one I have experience with, and if you have a fairly decent clue of what you're doing, you can test line silence, resistance, voltages, polarity, etc. Well worth a few bucks. There are other models of the Dynatel line, many of which are more complex (and more expensive) but will tell you quite a bit about a copper loop. If you read this soon enough, you can bid on one right here (no, I'm not selling it): http://cgi.ebay.com/ws/eBayISAPI.dll?ViewItem&item=2572083615&category=25418 JT