Sorry for a bit of confusion about this. I'm running memtest5.0b1 and it is bugged in SMP mode. Just hit F3 at the start, and test 7 works fine. What makes this tricky is that bios 0018 works fine in SMP mode. I still get some errors after my first pass, so hopefully it is SMP mode's fault
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z790 maximus hero
13900k intel
4090 geforce
tforce 7200 ddr5