ProfJim,
Thanks so much for taking the time to investigate the RAM for me.
Made your exact changes - and nothing else.
IBT runs 20 passes with no problem.
Running OCCT failed within the first minute and rebooted.
Changed only FSB down to 430 and nothing else.
OCCT errored after 13 minutes. (not sure by looking at the graphs what caused the error yet.
My feeling is that the RAM is in tolerance now but the CPU may be throwing a wrench into the works - my guess is VCore is maybe too low (at 1.25625).
OCCT reported the following under 100% CPU load:
CPU 1: 55 2: 55 3: 60 4: 65
Let me know what you think. Meanwhile, I am going to see what HWINFO says.
Again, thanks so much for your help. This is a great learning experience.