My wife bought me this MP3 player two years ago. Son took it and used it. Result? No USB cable and no CD. Got the MP3 player back. Bought a USB cable. Loaded player (30 tunes???). Son bought me a 1 gb memeory card to use with it. Have access to Win 98, XP home, XP pro. Upgraded software online. Drop dopwn menu says I need to the origin CD to format the memory card. Ids there another way? I am not a technical person so need "how to format the memry card for dummies" version. Thanks anyone for the help.