Thanks to everyone who responded. At long last, the problem is fixed. The Re-flash did the trick, so thanks Brazzy.
And, just in case anybody else is reading this later than say 2009, SDHC cards apparently don't work. There have been something about that in one of the format instructions about FAT 16 and all that, but I missed it. It has to be the older SD format. Compounding my problem, is that the laptop I use in my instrument area is an older model (only because it works the best with Audacity and my Berhinger Xenyx USB board!), and the SD reader will not read SDHC. So, I got all sorts of gibberish on the first couple SD cards I was trying to use. I even bought a new SD card. It was then I thought to try the older format, and I found an old 1GB SD card in an abandoned digital camera I had in a drawer. Phew.
Again, thanks for your help and suggestions, all.