If epoc.ini has these line like

_EPOC_DRIVE_F c:\folder_that_doesnt_exist
JustInTime query

A drive that is mapped to a nonexisting folder and a query to debug panics, the emulator panics twice and on my system the second panic hangsthe system, and killing the offending task takes some time, and it also triggers an automatic problem report to Microsoft.

Having a

JustInTime none

makes the system panic every minute or so (ore more often).

Removing the Drive F line removes the panic, but in order to test the N97 feature of having two memory cards one needs this line in order to test the situation that there is no card in F: