I just got another Sandisk 32 GB SD card at Walgreen's of all places, for a little less than $18 on sale. The packaging is somewhat different and the top speed claimed is 80 rather than 98. I did as suggested and used the adapter with the PC. The only option besides quick format (boy, was it) was MS DOS. I went with all the defaults, including of course FAT32. It was a lot of fun getting it out of the adapter and into the phone, but once I did it was instantly recognized and I set it up as normal portable storage. The only thing is I'm not sure how to set the save location as SD and transfer whatever's transferrable. Also, is storage additive? Does 16 GB + 32 GB = 48 or not?