I'm using a 256mb card..load is 2 seconds,,,save is about 20 seconds,,,I did not format my sd card in the technics kn7000 but I dont think that matters in terms of load and save time.(its odes if you want to save sd audio from your PC)...I picked up a great tip from the technote extended manual in that you can turn off the "completed" message and save a few seconds..this will come in handy while playing a job.