sorry one more thing, smart cards work with either fat16 or fat32 as the op system on your pc, they will even work with NTFS..its the yamaha that is the problem ..you should be able to use your card reader on the PC to first recognise the card as an external storage device then right click on it and format..the format should give you the option of formatting as fat, fat32 or ntfs,format it using the fat option (or if it syas fat16) then just use it in the yammi btw..fat 16 and 32 are essentially the same fat 32 was introduced to handle larger drives.. just my 2 cents worth

peace, out