Thanks for the reply.
Honestly, I don't know if Creative is lying about the specs of this card

In any event, these are the specs:
QUOTE
Sound Output Mode: 7.1 channel surround
DAC Data Width: 24-bit
Sample Rate: 8 kHz (min) - 96 kHz (max)
Voice Poliphony Qty: 64
Max Speakers Qty: 8
Compliant Standards: DirectSound, DirectSound3D, AC '97, General MIDI
Notes:
- 64 audio channel playback with independent sample rates.
- 24-bit Analog-to-Digital conversion of analog inputs at 96kHz sample rate.
- 24-bit Digital-to-Analog conversion of digital sources at 96kHz to analog 5.1 speaker output.
- 16-bit and 24-bit recording with sampling rates of 8, 11.025, 16, 22.05, 24, 32, 44.1, 48 and 96kHz.
- SPDIF output up to 24-bit resolution at selectable sampling rate of 44.1, 48 or 96kHz.
- Signal-to-Noise Ratio (A-Weighted) = 100 dB (2V).
- Frequency Response at -3 dBr = less than 10 Hz to 40 kHz.
Specifications are based on digital-to-analog audio playback.
(I stripped out the "EAX advanced HD" and stuff as it's irrelevant and only used in video games, I think.)
Also, I don't know if the card resamples to 48kHz/96kHz internally. I suspect it does, because the drivers install a new entry in the Windows control panel where you can switch between 16/24 bit and 48/96 kHz, but when you do switch to both 24bit and 96kHz, the CPU utilization rises significantly, so I guess the drivers are converting everything to 24/96 before sending the samples to the card.
Anyway, the point of my question was if it's possible that this card (or any card) can actually
amplify the output. I had two cards in the past that actually did this, but they were ISA cards (a Terratec Maestro 32/96 and a Soundblaster AWE32). But those cards achieved this by using built-in analog aplifiers (they also had two output jacks; one marked "line out" and one marked "passive speakers / headphones out").
I highly doubt that this card has an analog amplifier. But the fact that it simply sounds too loud at 100% makes me wonder. I would test with a regular device (like a CD player) that has "line out" to see if it sounds just as loud with my speakers, but the problem is I don't have such a device (at least something with pure line-out).
Trying to listen for "abnormalities" in the sound won't help. I guess if there are any, my cheap $100 Terratec speakers aren't "hi-fi" anough to let me hear them

Don't know if it's of any relevance, but another thing about this card is that it still outputs sound from other applications even though music is playing back in Winamp with kernel streaming. When I fire up Media Player, VLC and MPC instances and have all of them playing back sound at the same time that Winamp is doing kernel streaming, they don't have problems playing the sound. I thought kernel streaming takes exclusive control over the card. Or is it only taking control over the channels it uses? (Two channels in this case, since it's stereo).