Same response as SoCal Bob -- no problems with the 2 GB SanDisk SD card. (On sale a while back at RatShack.) I used it straight from the package. Just plugged it in and connected the Reader to the USB port. I have used the SD card outside the CONNECT software to load music and pictures (each in their own subdirectory for my sanity.) Never a problem yet.
As for formatting the SD card, yes, there are special formatting programs required for the higher features of SD cards that the generic Windows type OS formatters will not provide. If you use the Windows format programs the card will work fine in most readers attached to computers and MAY work fine in the Reader. It also may not work fine. I would go with the referenced program for formatting the SD cards if I wanted to reformat an SD card. I have a special program from Sony for reformatting Memory Sticks and another from HP for reformatting USB thumb drives. I always use these rather than the OS commands.
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