OK - I think I found my issue. In Coolreader as I navigate up the directory I see several options and select SDCard. Well, come to find out SDCard is internal memory. emmc is my SDCard. So, I put the file on my SDCard, inserted it, navigated to /emmc/ and was able to find the file. Wow, that was confusing. Seems backwards to me. I would expect /emmc/ to be internal and /SDCard/ to be, well, the SDCard.