I finally figured out live, crisp monitoring with my crappy Soundmax Integrated Digital Card (optic out). Kristal with ASIO4ALL driver and Adobe Audtion 1.5. Input - Plain ol' USB MIC with no driver (default WDM driver) Output - Roland's DM-20 Digital monitors (optic in/out) I thought it would be impossible being that the Soundamax Cards don't recognize USB Mics for live monitoring and don't support ASIO. In fact, AA 1.5 doesn't support ASIO either..... Some said that Cubase SX demo was needed to make Kristal run the ASIO driver clean but Adobe works as well. Not sure how to measure the latency in ms, but it can't be that much....sounds good.