Thanks friend Martok!!
Ooh, here's a good one all... think this stuff is brain surgery?
Check this out...
http://www.activeworlds.com/
This is just one of many - ultra cool, ready to rock and roll. Complete with 3d sound, user customizable worlds, choice of your own servers, even a complete SDK and suite of 3rd party utilities!!
It's just w Win program for now, but heck, the day is still young...