You're not listening.
My flags were fine before the upgrade to this latest version.
I did not apply the white flag patch after upgrading.
I got into the game, started playing, noticed all flags were either black or white.
I applied the patch and now the flags are black, white, gold, etc.
Before I upgraded the version of my Total Realism, the flags had decals [art on them].
After I upgraded [and did not apply the patch, as I said earilier], the flags lost their decals.
So in summary, I followed this exact procedure
1. Installed Total Realism
2. Played the game which had decals on flags.
3. Downloaded the new version upgrade on Sunday.
4. Applied the new version upgrade, MAKING CAREFULLY SURE THE WHITE FLAG OPTION WAS NOT CHECKED, AS I WAS NOT HAVING THE PROBLEM
5. Played the new version, noticed the decals were gone.
6. Came back here, saw others with the same prob, downloaded the XML hack, applied it, applied the patch.
7. Tried the game again
8. End result: flags still have no decals, all patches and hacks applied.
Is that clear enough for you all now?