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reply to dsl2u
Re: Callcentric in Canada using a softphone: Is it OK? +1 on CallCentric.
As far as phone - yes, an IP phone would be good, a softphone will work pretty well (CallCentric has one that works with WinXP - doesn't do so well with Win 7 Pro 64 bit). A good ATA with a good analog phone will also work well. Using the ATA route myself - the phone quality is generally just as good or better than the POTS service I used to have (and a MUCH better value).