The memory card is fine. I was using it with the n800 before I attempted to do the clone. I also already formated this card as well as two other cards that I have tried with the Panasonic Format utility on my windows xp computer. Very frustrating. The only thing I can think of is that I am still using virtual memory somehow. How do you make sure you are not using it? The only way I know how is to go into control panel, then memory, then virtual memory tab and then make sure that the "use virtual memory" box is unchecked. Is there another way to make sure that you have virtual memory off ??