That explains it Rickie. I had forgotten about the quick versus full formatting (you can tell that I have been using the quick option for a while…).

One of the good things about using the formatter from the SD Association is that it will work with both SD and SDHC cards. If you use a standard formatter and it is not SDHC compatible you may experience some of that “less than optimal performance” that they spoke of. I was told that the HumminbirdPC program uses that same formatter program.