naw, you shouldn't have to reformat the card, there's a utility that will convert the file system called drive converter or similar sounding app built into windows disk managment. Are you logging in as administrator? you should be logged in as administrator prior to trying these changes. I haven't been using windows xp long enough to know where "ALL" the policy's are adjusted from so I haven't located what I referenced about the sytem removable media yet.. Another thing to try that should give you full access to your files, if you have a firewire or USB cable that came with the camera, try connecting the camera to the PC/laptop via the usb or firewire cable, then use the camera's software to download your files/ then re-format the card with the camera via the camera menu on the lcd, then try the card in the computer again. Reformatting with the camera will restore the file system and should remove any volume/directory permissions that may have been set by a pc but it will not change "group" "user" or system policies that might be set on your laptop



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