Woohoo! I did this "From full power off, hold down the "n" key (HOME key) and the power key. Keep BOTH held down until the screen flashes, then release the POWER key, but keep on holding down the HOME key. You should get the factory reset question where you hit the HOME key to answer yes, you will get that same screen a 2nd time, answer yes via the HOME key again." and it did some super reboot thing, so now it works!
But I still have no idea about the SD card?