Brian, you may be right with CF cards, however I did have a problem with SD cards, hence my two pennyworth when my symptoms were similar to the original poster's. The SD card I had used was an old 32 or 64 Mb one, I possible binned it as I cannot now find it. It was large enough for the update but not much use for other purposes. The CF card I used on the Coolpix was only 8MB but was specified and supplied for use in the camera. My concern is that I do not like to just bin functional items but that sometimes they may not function as expected with more modern hardware.