it may sound crazy, but I am trying to configure two DSL lines (static
ip) on our PC Desktop XP Prof SP2 with three different NIC cards.

NIC 1#: 192.168.1.45 - intranet default gate 192.168.1.1
NIC 2#: 1st static IP - internet default gate 192.168.10.1
NIC 3#: 2nd static IP - internet default gate 192.168.20.1

both internet cards are connected to separate routers both routers to
cable box.
It does work the way I want.. I can have an access to local intranet
servers, people from ouside can see both websites (apache), but lately
I am having some gateway drops etc, because as far as my knowledge
goes, there should be only one default gateway for the PC. well.. in
my situation I have three different one, one for intranet, and two
different for two different routers.

I did some research there are some successfull configuration using
routing table tool in Windows, but I am having so much trouble with
it.
Can someone please help me with adding proper routing table values?
This is how the routing looks now:

Interface List
0x1 ........................... MS TCP Loopback interface
0x2 ......... 3Com EtherLink XL 10/100 PCI TX NIC (3C905B-TX)
0x3 ......... D-Link DFE-530TX+ PCI Fast Ethernet Adapter (re.F)
0x4 ......... Broadcom NetXtreme 57xx Gigabit Controller
================================================== =========================
================================================== =========================
Active Routes:
Network Destination Netmask Gateway Interface
Metric
0.0.0.0 0.0.0.0 192.168.1.1
192.168.1.45 20
0.0.0.0 0.0.0.0 192.168.10.1
192.168.20.5 20
0.0.0.0 0.0.0.0 192.168.10.1
192.168.10.5 20
0.0.0.0 0.0.0.0 192.168.20.1
192.168.20.5 20
0.0.0.0 0.0.0.0 192.168.20.1
192.168.10.5 20
127.0.0.0 255.0.0.0 127.0.0.1
127.0.0.1 1
192.168.1.0 255.255.255.0 192.168.1.45
192.168.1.45 20
192.168.1.45 255.255.255.255 127.0.0.1
127.0.0.1 20
192.168.1.255 255.255.255.255 192.168.1.45
192.168.1.45 20
192.168.10.0 255.255.255.0 192.168.10.5
192.168.10.5 20
192.168.10.5 255.255.255.255 127.0.0.1
127.0.0.1 20
192.168.10.255 255.255.255.255 192.168.10.5
192.168.10.5 20
192.168.20.0 255.255.255.0 192.168.20.5
192.168.20.5 20
192.168.20.5 255.255.255.255 127.0.0.1
127.0.0.1 20
192.168.20.255 255.255.255.255 192.168.20.5
192.168.20.5 20
224.0.0.0 240.0.0.0 192.168.1.45
192.168.1.45 20
224.0.0.0 240.0.0.0 192.168.10.5
192.168.10.5 20
224.0.0.0 240.0.0.0 192.168.20.5
192.168.20.5 20
255.255.255.255 255.255.255.255 192.168.1.45
192.168.1.45 1
255.255.255.255 255.255.255.255 192.168.10.5
192.168.10.5 1
255.255.255.255 255.255.255.255 192.168.20.5
192.168.20.5 1
Default Gateway: 192.168.10.1
================================================== =========================
Persistent Routes:
None


Thank you very much for your input.