Success
Upgrade complete.
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-You know what they say.... If you want something done right - do it yourself.
It turns out the expert government
computer troubleshooter (by profession) that loaded the 4.0 file onto the SD card for me did it
WRONG.
-and swore it was not the card.
-and swore he conformed it was on the card properly
Hmmm...I'm startin' to think he doesn't want me to catch fish.