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Say you have a 2 GHz Pentium 4 that is designed to be run on a 133 MHz bus, but it is only being run at 100 MHz. The clock speed of the processor is determined by multiplying the FSB by the multiplier (each processor has a multiplier that cannot be changed and determines the speed of the chip)500 MHz is a pretty significant loss of crunching power and you do not want to make that mistake.
Overclocking is running the FSB higher than what the processor is engineered to run at. If you have a processor that is designed to run at 133 MHz and you have the FSB set anything above that, the processor will be overclocked. Generally overclocking by modest amounts is safe provided that you have good cooling.
Disclaimer: Overclocking will void your warranties and can damage your processor if the proper precautions are not taken.
More discussion on this topic here: »www.pcstats.com/articleview.cfm?···eID=1352