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Do you know:

"Using a calculator might restrict
the level of expertise achieved
with respect to short-term
memory skills for complex
arithmetic." Complex arithmetic
places special demands on
short-term memory skills that
simple arithmetic usually does
not, because complex arithmetic
involves operations such as
carrying, borrowing and
place keeping. "This is
demanding mental juggling for
most people's short-term
working memory processes.
Math anxiety worsens
performance in two ways: First, it
leads to avoidance, which leads
to lower competence; second, it
temporarily inhibits working
memory capacity, possibly by
failure to inhibit attention to
intrusive thoughts.