1DkH = approx 18 mg/l
so 195 is about 10.8dkh which i think is the way you should read this to make your life easier in the future, this is at the upper end of the scale but not really a problem on its own what you need to do is find out you calcium level and magnesium level and make sure they are all at the levels that they should be relating to each other.
are you adding anything to your tank to increase alkalinity?
you probably should do some reading about alk,calcium and magnesium so you have a better understanding of what might be happening
http://www.canreef.com/vbulletin/showthread.php?t=21968
as for the phosphate what are you feeding? sometime the food your adding has a lot of phosphate in it and should be rinsed out well before adding it to the tank or could be lots of other things as well.