diff --git a/Doc/ChangeLog.txt b/Doc/ChangeLog.txt
index 287f4059..c747390b 100644
--- a/Doc/ChangeLog.txt
+++ b/Doc/ChangeLog.txt
@@ -28,7 +28,7 @@ Version 2.9.2
 - WBW: Updated FAT to add MD and FORMAT commands
 - WBW: Add CP/M 3 (experimental)
 - M?T: Support Shift register SPI WIZNET for RC2014
-- WBW: Added seconds register in HBIOS
+- P?S: Added seconds register in HBIOS
 
 Version 2.9.1
 -------------
diff --git a/Source/Apps/Timer.asm b/Source/Apps/Timer.asm
index e4ed216b..57fd8a1e 100644
--- a/Source/Apps/Timer.asm
+++ b/Source/Apps/Timer.asm
@@ -139,6 +139,10 @@ process1a:
 	ld	c,bf_sysgetsecs	; SECONDS subfunction
 	rst	08		; call HBIOS, DE:HL := seconds value
 	call	prthex32	; display it
+	ld	a,'.'		; fraction separator
+	call	prtchr		; print it
+	ld	a,c		; get fractional component
+	call	prthex		; print it
 	ld	de,strsec	; tag
 	call	prtstr		; display it
 ;
@@ -476,7 +480,7 @@ stack	.equ	$		; stack top
 ;
 ; Messages
 ;
-msgban	.db	"TIMER v1.1, 8-Nov-2019",13,10
+msgban	.db	"TIMER v1.1, 10-Nov-2019",13,10
 	.db	"Copyright (C) 2019, Wayne Warthen, GNU GPL v3",0
 msguse	.db	"Usage: TIMER [/C] [/?]",13,10
 	.db	"  ex. TIMER           (display current timer value)",13,10
diff --git a/Source/HBIOS/dbgmon.asm b/Source/HBIOS/dbgmon.asm
index e93e6c38..4698655f 100644
--- a/Source/HBIOS/dbgmon.asm
+++ b/Source/HBIOS/dbgmon.asm
@@ -42,6 +42,7 @@ BUFLEN	.EQU	40			; INPUT LINE LENGTH
 UART_ENTRY:
 	LD	SP,MON_STACK		; SET THE STACK POINTER
 	EI				; INTS OK NOW
+	LD	HL,UART_ENTRY		; RESTART ADDRESS
 	CALL	INITIALIZE		; INITIALIZE SYSTEM
 
 	LD	HL,TXT_READY		; POINT AT TEXT
@@ -108,9 +109,14 @@ SERIALCMDLOOP:
 ;__INITIALIZE_________________________________________________________________
 ;
 ;	INITIALIZE SYSTEM
+;	AT ENTRY, HL SHOULD HAVE ADDRESS OF DESIRED RESTART ADDRESS
 ;_____________________________________________________________________________
 ;
 INITIALIZE:
+	LD	A,$C3		; JP OPCODE
+	LD	(0),A		; STORE AT $0000
+	LD	(1),HL		; STORE AT $0001
+
 #IF (BIOS == BIOS_UNA)
 	; INSTALL UNA INVOCATION VECTOR FOR RST 08
 	LD	A,$C3		; JP INSTRUCTION
@@ -932,6 +938,7 @@ KY_PW	.EQU	KY_BK		; USE [BW] FOR [PW] (PORT WRITE)
 DSKY_ENTRY:
 	LD	SP,MON_STACK		; SET THE STACK POINTER
 	EI				; INTS OK NOW
+	LD	HL,DSKY_ENTRY		; RESTART ADDRESS
 	CALL	INITIALIZE
 ;
 ;__FRONT_PANEL_STARTUP________________________________________________________
@@ -1381,5 +1388,13 @@ MON_STACK	.EQU	$
 		.ECHO	"DBGMON space remaining: "
 		.ECHO	SLACK
 		.ECHO	" bytes.\n"
-
+;
+; DBGMON CURRENTLY OCCUPIES $F000-$FDFF BECAUSE THE
+; HBIOS PROXY OCCUPIES $FE00-$FFFF.  HOWEVER THE DBGMON
+; IMAGE MUST OCCUPY A FULL $1000 BYTES IN THE ROM.
+; BELOW WE JUST PAD OUT THE IMAGE BY $200 SO IT
+; OCCUPIES THE FULL $1000 BYTES IN ROM.
+;
+		.FILL	$200,$00
+;
 		.END
diff --git a/Source/HBIOS/hbios.asm b/Source/HBIOS/hbios.asm
index f43b6745..16b76ac3 100644
--- a/Source/HBIOS/hbios.asm
+++ b/Source/HBIOS/hbios.asm
@@ -1245,13 +1245,15 @@ HB_CPU1:
 	LD	(IVT(INT_TIM0)),HL	; Z180 TIMER 0
 
 	; SETUP PERIODIC TIMER INTERRUPT ON TIMER 0
-	LD	HL,(CB_CPUKHZ)		; 50HZ = 18432000 / 20 / 50 / X, SO X = CPU KHZ
-	LD	B,0
-	LD	C,Z180_RLDR0L		; INITIALIZE TIMER 0 RELOAD REGISTER
+;	LD	HL,CPUOSC/TICKSPERSEC/20-1	; 50HZ = 18432000 / 50 / 20
+	LD	HL,(CPUKHZ)		; 50HZ = 18432000 / 20 / 50 / X, SO X = CPU KHZ
+	LD	B,0			; 16-BIT I/O ADDRESS
+	LD	C,Z180_TMDR0L		; INITIALIZE TIMER 0 DATA REGISTER
 	OUT	(C),L
 	INC	C
 	OUT	(C),H
-	LD	C,Z180_TMDR0L		; INITIALIZE TIMER 0 DATA REGISTER
+	DEC	HL			; RELOAD OCCURS *AFTER* ZERO
+	LD	C,Z180_RLDR0L		; INITIALIZE TIMER 0 RELOAD REGISTER
 	OUT	(C),L
 	INC	C
 	OUT	(C),H
@@ -2396,12 +2398,17 @@ SYS_GETTIMER:
 ; GET SECONDS
 ;   RETURNS:
 ;     DE:HL: SECONDS VALUE (32 BIT)
+;     C: NUM TICKS WITHIN CURRENT SECOND
 ;
 SYS_GETSECS:
 	LD	HL,HB_SECS
 	HB_DI
 	CALL	LD32
+	LD	A,(HB_SECTCK)
 	HB_EI
+	NEG			; CONVERT DOWNCOUNTER TO UPCOUNTER
+	ADD	A,TICKSPERSEC
+	LD	C,A
 	XOR	A
 	RET
 ;
@@ -2520,7 +2527,7 @@ SYS_SETTIMER:
 ;
 ; SET SECS
 ;   ON ENTRY:
-;     DE:HL: TIMER VALUE (32 BIT)
+;     DE:HL: SECONDS VALUE (32 BIT)
 ;
 SYS_SETSECS:
 	LD	BC,HB_SECS
@@ -2739,7 +2746,7 @@ HB_TIMINT2:
 	DEC	(HL)			; COUNTDOWN 50 TICKS
 	JR	NZ,HB_TIMINT3		; NOT ZERO YET, DONE FOR THIS CYCLE
 	; 50 TICKS HAVE ELAPSED
-	LD	A,50			; 50 TICKS PER SECOND
+	LD	A,TICKSPERSEC		; 50 TICKS PER SECOND
 	LD	(HL),A			; RESET COUNTDOWN REGISTER
 	; INCREMENT SECONDS COUNTER
 	LD	HL,HB_SECS		; POINT TO SECONDS COUNTER
@@ -4049,7 +4056,7 @@ IDLECOUNT	.DB	0
 HEAPCURB	.DW	0		; MARK HEAP ADDRESS AFTER INITIALIZATION
 ;
 HB_TICKS	.FILL	4,0		; 32 BIT TICK COUNTER
-HB_SECTCK	.DB	50		; TICK COUNTER FOR SECONDS
+HB_SECTCK	.DB	TICKSPERSEC	; TICK COUNTER FOR FRACTIONAL SECONDS
 HB_SECS		.FILL	4,0		; 32 BIT SECONDS COUNTER
 ;
 HB_CPUTYPE	.DB	0		; 0=Z80, 1=80180, 2=SL1960, 3=ASCI BRG
diff --git a/Source/HBIOS/std.asm b/Source/HBIOS/std.asm
index aa385538..625c0f98 100644
--- a/Source/HBIOS/std.asm
+++ b/Source/HBIOS/std.asm
@@ -297,20 +297,22 @@ FORCECON	.EQU	0	; DEFAULT IS TO FOLLOW NORMAL SEQUENCE
 ;
 ; SETUP DEFAULT CPU SPEED VALUES
 ;
-CPUKHZ	.EQU	CPUOSC / 1000	; CPU FREQ IN KHZ
+CPUKHZ		.EQU	CPUOSC / 1000	; CPU FREQ IN KHZ
 ;
 #IF (BIOS == BIOS_WBW)
   #IF (CPUFAM == CPU_Z180)
     #IF (Z180_CLKDIV == 0)
-CPUKHZ	.SET	CPUKHZ / 2	; ADJUST FOR HALF SPEED OPERATION
+CPUKHZ		.SET	CPUKHZ / 2	; ADJUST FOR HALF SPEED OPERATION
     #ENDIF
     #IF (Z180_CLKDIV == 2)
-CPUKHZ	.SET	CPUKHZ * 2	; ADJUST FOR DOUBLE SPEED OPERATION
+CPUKHZ		.SET	CPUKHZ * 2	; ADJUST FOR DOUBLE SPEED OPERATION
     #ENDIF
   #ENDIF
 #ENDIF
 ;
-CPUMHZ	.EQU	CPUKHZ / 1000	; CPU FREQ IN MHZ
+CPUMHZ		.EQU	CPUKHZ / 1000	; CPU FREQ IN MHZ
+;
+TICKSPERSEC	.EQU	50
 ;
 ; MEMORY BANK CONFIGURATION
 ;
@@ -371,8 +373,8 @@ CPM_ENT		.EQU	CBIOS_LOC		; CPM ENTRY POINT (IN CBIOS)
 
 LDR_SIZ		.EQU	$0E00
 
-MON_LOC		.EQU	$C000			; LOCATION OF MONITOR FOR RUNNING SYSTEM
-MON_SIZ		.EQU	$1000			; SIZE OF MONITOR BINARY IMAGE
+MON_LOC		.EQU	$F000			; LOCATION OF MONITOR FOR RUNNING SYSTEM
+MON_SIZ		.EQU	$0E00			; SIZE OF MONITOR BINARY IMAGE
 MON_END		.EQU	MON_LOC + MON_SIZ	; END OF MONITOR
 
 BAS_LOC		.EQU	$0200			; NASCOM BASIC
diff --git a/Source/HBIOS/util.asm b/Source/HBIOS/util.asm
index d4bd7f49..253ec8fb 100644
--- a/Source/HBIOS/util.asm
+++ b/Source/HBIOS/util.asm
@@ -258,7 +258,7 @@ DB_BLKRD:
 	LD	C,16			; SET FOR 16 LOCS
 	PUSH	HL			; SAVE STARTING HL
 DB_NXTONE:
-	LD 	A,(HL)			; GET BYTE
+	LD	A,(HL)			; GET BYTE
 	CALL	PRTHEXBYTE		; PRINT IT
 	CALL	PC_SPACE		;
 DB_UPDH:
@@ -789,7 +789,7 @@ DIV32X8:
 	XOR	A
 	LD	B,32
 DIV32X8A:
-  	ADD	HL,HL
+ 	ADD	HL,HL
 	RL	E
 	RL	D
 	RLA
@@ -798,7 +798,7 @@ DIV32X8A:
 	SUB	C
 	INC	L
 DIV32X8B:
-  	DJNZ	DIV32X8A
+ 	DJNZ	DIV32X8A
 	RET
 ;
 ; FILL MEMORY AT HL WITH VALUE A, LENGTH IN BC, ALL REGS USED
@@ -984,19 +984,15 @@ SUB32:
 ; INCREMENT 32 BIT BINARY AT ADDRESS 
 ;
 INC32HL:
-	PUSH	HL
-	PUSH	BC
-	LD	B,4
-INC32HL1:
 	INC	(HL)
+	RET	NZ
 	INC	HL
-	JR	NZ,INC32HL2
-	DJNZ	INC32HL1
-INC32HL2:
-	POP	BC
-	POP	HL
+	INC	(HL)
+	RET	NZ
+	INC	HL
+	INC	(HL)
+	RET	NZ
+	INC	HL
+	INC	(HL)
 	RET
 
-	
-	
-