Thanks to Wouter Pinkhof for verifying these rules in Belgum; they do
   work outside of North America.
   
   You probably noticed an area code box in the phone number requesters
   you get in Win95 modem apps. Normally the apps insert your current
   area code (the area code for your current location). To make the
   program dial long distance, change the area code. Also make sure you
   have "Use country code and area code" if the program has such a
   switch. The app will automatically insert the "1" (or whatever your
   country code is) and any pre-dial instructions needed to get to an
   outside line.
   
   If the number you're dialing is long distance but in the same area
   code, use the program's "Dial as a long distance call" switch.
   HyperTerminal, Dial-up networking, and WinFax Pro 7.0 have switches
   like this. Other programs such as MS Fax let you do this in the
   person's phone number entry (with a switch like "Dial area code even
   though it's the same as mine") or set long distance rules by dial
   prefix. How a program dials long distance for same-area-code numbers
   depends on the program.

     * 5.4.1. Why is my computer dialing long distance when I know it's a
       local number? 
       
   Maybe you have the "Dial area code" or "Dial as a long distance
   number" switch turned on for that connection or number. Check with the
   app's manual for setting this switch. If you're dialing a local
   number, make sure you turn off this switch.
   
   You might've used a different area code in your dialing location than
   in the number you're dialing. Check to see that the area codes match.
   This is the only way that Win95 knows how to distinguish a long
   distance call from a local one.
   
   Also, and this is quite common in Canada, maybe you specified "United
   States" as your country, either in your location properties or in the
   number itself. Set the country appropriately. If the country is
   different, even if the country code and area code are the same, it
   will try to dial the number as long distance. Apparently, 4.00.950B
   will catch this mistake (as long as the country code matches, not
   necessarily the country NAME).

     * 5.4.2. How can I use my phone company's calling card? 
       
   Bring up dialing properties again, and hit the switch saying "Use
   calling card". Then hit the "Calling card..." button. In the US and
   Canada, the most common is "Calling card via zero" but Win95 comes
   with calling card settings for most of the major long distance
   carriers. The calling card setting is great if you're dialing from
   work, but you don't want to cost the company for your personal calls.
   
   Calling card settings are part of your dialing location, and each
   location may use a different calling card setup. This is great for
   notebook users who may plug into a hotel's phone system, or a branch
   office's system, or a customer's system so you don't make the customer
   pay for your phone call.

     * 5.4.2.1. What if the card isn't from AT&T or Bell Canada? 
       
   A lot of weird long distance companies came out of the woodwork up
   here in Canada, and many of them have bizarre calling card setups. To
   create a card setup for your long distance company, first figure out
   what you'd have to do to dial the number normally (like dial an (800)
   number or something, followed by a user code, followed by the number,
   or whatever) including the length of time between blocks of numbers.
   Then in the Calling Card requester from the last section, hit
   "New...". Give this new card a name.
   
   Now you'll get three text fields to insert your dialing rules.
   Right-click on one of them and hit "What's this..." to get a list of
   commands you can insert into these boxes. Without a special dialing
   sequence (IE: Direct Dial), the defaults for these would be:

Local Calls:         G
Long Distance Calls: 1FG (This'll be "EFG" outside of North America)
International Calls: 011EFG (the "011" may be different outside of NA)

   The "G" is the local number, the "F" is the area code, and the "E" is
   a country code. The other keys you can use include dialable digits
   (including the * and # keys), commas for pauses, a calling card number
   itself, and so on and so on.
   
   Use this basic sequence and insert the extra keys you need to press.
   For example, to dial long distance calls with a calling card via zero,
   you would replace the "1" in the long distance rule with a "0", then
   after the "G" you insert some pauses and then the calling card number.
   Right-click on any of these boxes and hit "What's this" to get a list
   of valid keys you can insert into these boxes.
   
   Finally when you're satisfied, hit "OK" to save the card. You can go
   back and edit this calling card later.
   
   If the long distance company uses voice prompts, be extra sure to
   include pauses for the duration of the voice prompts. Use commas ","
   to insert five second pauses. Also, if you normally get a "Thank-you"
   message at the end, insert pauses at the end so the modem doesn't try
   to recognize it as a voice answer and hang up on you.

     * 5.4.3. Why isn't my computer dialing the area code for long
       distance within my area code? 
       
   Don't forget to tell the program that this number is a long distance
   number. Again, this varies between programs. When you tell the program
   it's a long distance number, it will use the long distance dialing
   rule instead of the local rule. MS Fax can do this by number prefix;
   other programs let you do this per-number.
   
   It's also possible you have a pre-release of Windows 95. Some early
   versions would only just dial the "1" followed by the number, without
   inserting the area code. If you get this symptom, you might have a
   pre-release, developer's, or other bogus copy of Win95. Get your disks
   or CD replaced and re-install Win95 to fix this. Apps call on TAPI.DLL
   or TAPI32.DLL to generate the string of digits.
   
   If you have to use this broken copy of Win95, you can fake your own
   area code so it's different than the number you're dialing, and then
   the app will insert the area code. I don't recommend this kluge at
   all; you should replace your Win95 copy as soon as you can.

     * 5.4.4. Why do I have to give the area code for local numbers? 
       
   This is so the app (and TAPI.DLL) knows not to insert the "1" and area
   code before the number. Apps will automatically insert your current
   location's area code for you, so normally you don't have to worry
   about this.
   
   If you need to dial long distance within your area code, tell the app
   that the number is a long distance number, and it will insert the "1"
   and area code for you. Proper Win95 programs offer a "Dial as long
   distance number" option for this.

     * 5.4.5. I don't live in North America. How does this area code
       nonsense affect me? 
       
   To use all this advice and work outside of North America, swap the "1"
   with your country code, and "Area Code" with your city code. Otherwise
   all the same rules apply. Again, thanks to Wouter Pinkhof and Vu Tien
   Khang for input here.
   
   In Calling Card setups you may have to be especially careful with the
   country code. Substitute the "1" for your country code, or just use
   "E" which uses your target's country code.
   
   Ten-digit dialing rules may apply in Eurpoean countries (France is one
   example). Read section 5.7 below for suggestions.
   
   Previous versions of this FAQ mentioned the need to insert leading
   zeroes for "area codes" shorter than three digits; this is not
   necessary.