In reply to girlymonkey:
200 is high, but it's possible.
I use a HRM to control easy runs rather than to run hard. I use pace when running hard but afterwards check HR data.
But if I'm out for an easy 10 miler and I'm running easy which is 7:30-7:40 pace and my HR is 130 or so, I back off. For me 130 bpm is high and a run when I'm normally running at sub 7 min mile pace. Typically I'm either stressed, ill or tired if it is too high for tha effort level.
In a hard race I'm at 145-155, depending on the length of the race and my max is around 163 or so by the looks of it.
Don't get too concerned with how high or low yours is in relation to other people's HR. It really doesn't mean that much.