FAT 32 Limits
  DOS 6.22
    2TB limit (using FAT32, if FAT16 - still at 2GB limit).

  28 bit pointers - 4 bits reserved.

  Capable of 2TiB limit.
    Win 2000/XP will only format a max of 32 GiB under fat32.
 
    Size of individual file 2GiB -1

  Win 95 SE or Win95B, Win 98.
    1 cluster = 4 K to 32K
    8 GB limit per partition because of other BIOS/OS limits. 
  
  3rd party vendors provide BIOS override routines to get >8GB on older pcs.
    Newer machines have improved BIOS. 

  FAT 32 reserves 11 pointers as did DOS12/16.

  Larger pointer allows smaller clusters with large drives.

  Designed to use LBA