Fermion mass effects in e+e- --> 4f and e+e- --> 4f gamma with cuts

The fermion mass effects in e+ e- --> 4f and in the corresponding bremsstrahlung reactions in the presence of realistic cuts are studied. It is shown that, for some four--fermion final states, the mass effects become sizeable to the extent that they may affect the accuracy of theoretical predictions which is required to be better than 1%.