Results for all reactions e+ e- -> 4f, 4f + gamma with nonzero fermion masses

We accomplish our efforts to obtain predictions for all four-fermion final states of e+ e- annihilation and the corresponding bremsstrahlung reactions which are possible in the framework of the Standard Model. For this purpose we have developed a program EE4FGAMMA. Our predictions are valid for fermions of arbitrary masses and we can obtain results for total cross sections without any collinear cut. Keeping exact fermion masses is of course required for top quark production. We give a detailed phenomenological analysis of fermion mass effects and real photon radiation for all channels of four-fermion production at LEP-II and next linear collider energies.