Giving up for now, but here is what I have..... I did get the SD card formatted as FAT32 using: diskutil eraseVolume "MS-DOS FAT32" HTCSD /dev/disk4s2 I've attached a screen shot showing my sdcard (it's in the Incredible, USB connected to my computer). This shows the card is FAT32 and contains PB31IMG.zip and only PB31IMG.ZIP (not PB31IMG.zip.zip). Should PB31IMG.zip be precisely 146,110,009 bytes? Thanks very much for any ideas anyone might have.