Ended up throwing the card in today, following the instructions in the book, doing the E50 R4 suggested, and then also under the MCI instructions making the settings the OPPOSITE of what the book said. If it said to set it to 0 I set it to 1. All is working now.

About time too, Ive been trying to get this phone system working for 2 years now.

Thanks everybody. On to the next problems.