i brought some files home from work on my USB memory stick. just one of those little devices that you plug into a USB port, and it acts as an extra drive letter
i had also purchased Norton Anti-Virus, i am fed up with the free AV from work, you cannot make it auto update, and have to download and install all of the updates manually
so, after grabbing a couple of files from the USB stick, i un-installed the old AV and rebooted, prior to installing Norton.
however, instead of windows XP loading i got a black screen, and some text telling me that i was trying to boot off of a non system disk, and i should remove it and try again...

something told me this wasn't good!
so i did what any expert would do, i rebooted to see of the problem would go away
when it didn't i removed the DVD from the drive, and tried again. my machine still wouldn't boot!
so, i tried booting of a CD, but that didn't work. finally i dug out a dos 6.22 boot disk, and booted off of that. when i got to the command prompt i had a look at C:\ to see what had happened to my hard drive...
it took a few moments to work out what i was seeing, since this didn't look like the normal C:\ i am used to...
it was my USB stick!

my machine had detected it, given it a drive letter, and then tried to boot off of it, all at the BIOS level!
the moral of this story is, don't reboot with a USB stick plugged in. i had never done that before, and don't intend to repeat the experience.