Well, it wants the disk because it is trying to find a file that is not currently on your computer. For the most part, you don't need the disk if you have the cab files on your hard drive. Typically the cab files are placed in C:\windows\options\cabs
If your cab files aren't there, you can do a search on google or your favorite engine and find the exact file that the install is looking for. I've found many .dll files that way.
The Win98 disk is not specific, other than First Edition, or Second Edition. So, if you need be, you could probably borrow a win98 disk to get the file you need. Also, copy the cab files from it before you give it back, you may need other files at a later time.
Timothy N. Couch
A1 Printech
Anchorage, AK