actually, no.  all that is opto-isolated on most modems is the ring detect, and 
activating the relay to connect the rest of the modem.  the data and any other "sound" 
signals are transformer coupled, which doesn't provide nearly the isolation that an 
opto-isolator does, particularly with cheap transformers (and consumer items, like 
modems tend to be made with the cheapest available parts that work at all which is 
part of why i hate servicing consumer electronics).  in any case, a large surge will 
arc over small gaps between the phone line side and computer side of a modem, dirt can 
allow enough leakage current to be a problem (particularly in humid areas), and 
there's always the risk of bugs (the crawling kind) getting in there.  as surges tend 
to be high frequency in nature, it's very easy for them to arc or couple from one side 
of the modem electronics to the other and cause problems.  unless you use a surge 
suppresor with a fuse on the phone line, many surges will hopelessly overload the the 
surge suppression and make those parts fail.  no surge arrestor completely blocks the 
transient signals, so there's always some surge that gets through, particularly if the 
surge arrestor isn't grounded or well grounded in which case many surges will be 
dissipated in the modem rather than the surge suppressor (if there's a large 
inductance in the ground line because of how the house is wired, or the whole house 
ground is poor then it isn't much help).  also, after repeated surges surge arrestors 
often fail, usually shorted so the phone won't work and it's easy to find, but it is 
possible for them to fail open and essentially just stop working without interfering 
with normal phone function so there's no warning.  

you also have to consider the source of "surges" in phone lines, often it is from a 
lightning hit to exposed phone wiring (even other people's phone lines as they readily 
arc over) or strikes near a phone line and induces a surge, or worse (because it 
continues) is when a phone line is accidentally shorted to a power line, usually the 
13.8kv that runs on most power lines at a very high current, there is essentially 
unlimited energy available (when a utility pole falls down or there is a construction 
accident, consider how often phone lines are cut by back hoes).  the telco in older 
days put very good fuses on phone lines where they entered the house, fuses designed 
to stop even a high voltage fault from getting into the house, but they don't do that 
anymore, probably to save cost and increase signal quality (the fuses probably caused 
problems with high speed modems).  i always, always unplug the phone line from the 
computer when storms come, even if they aren't close enough that i completely unplug 
the computer.  also consider that if phone lines run parallel to network or other 
cabling that they can induce surges in that as well, and that any network cable can 
pick up surges during a thunderstorm (as can the power lines of course), possibly 
(likely) at the same time the phone line does, so a modem may be fried and there may 
be another route for a surge to enter the computer as well which may be incorrectly 
assumed to be from the modem when it may not be or may be in addition to surge power 
on the phone line.

also, another problem with surges is that sometimes they don't fry the electronics 
directly, but may make an arc that leaves a carbon trail on the board, allowing large 
leakage currents after the surge leaves, either from the phone line (which is 
definitely incompatible with serial port signals) or from the line power or part of 
the power supply that are more than the computer can tolerate.  they can also 
temporarily create an arc that once started lets line power or other power sources 
couple where they shouldn't, though that's usually a brief insult at least, assuming 
no path is carbonized into what were insulators.

> From: Bruce Johnson <[EMAIL PROTECTED]>
> Actually, most modem phone signals are opto-isolated from the main 
> computer circuitry. Doesn't help, as the phone-line side of the modem 
> still fries, but it's just replacing the modem that's necessary.

-- 
Philip Stortz -- To be nobody but yourself when the whole world is trying its best 
night and day to make you everybody else is to fight the hardest battle any human 
being will ever fight. -- E.E. Cummings

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