F_A_L_C_O_N, you forgot one part of that formula. You must then take 95% of your final number to give you the actual refresh because it takes about 5% of the total time to go up to the top and start the next screen.
V = H/R * .95
Where...
V = vertical refresh (in Hz)
H = horizontal refresh (in KHz)
R = resolution (second number, so "1200" for "1600x1200")
My monitor, some piece of crap 17" CompUSA monitor I got about a year ago for $130 can only do 1024x768 @ 60Hz. 800x600 @ 85Hz. I use 800x600 every day, but I wish I could run 1024x768 at at least 75Hz. Next thing to upgrade will be my monitor. Probably a 19". I would have ordered a new monitor this weekend but I had to replace my 8500

Can't live with these crappy onboard Intel graphics comparable to a TNT2 Ultra..