Paging and logical memory allocation

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http://ubuntuforums.org – My view of memory is that the heap is located in low memory (above the text and data) and then high up in memory you have the stack. Is this how the memory is actually allocated? Or is it contiguous (and paged). I know page tables reference consecutive frames, so does this mean the first n pages are allocated to the heap, text and data; and then you have m pages allocated to the stack? For example, if the heap,data,text require 5.5 inner page table pages to reference them; and the stack needs 1.5 inner page table pages to reference it, then will there be 8 inner page table pages or (Hardware)