Thanks, Alexey.

I had done something similar, but tried your solution anyway. Still not working. It's possible my SD card is simply not happy with this initialization sequence - I can see clock and "data in" pins (Pic "data out") moving as they should (as best as I can judge with LED's) but the device does not respond. If I put a pullup on it's "data out" line (PIC "data in") I can read FF, otherwise I read 00. To me this means the card is not driving the line.

I know I should post my code, but it's about 8K. After your post, I did try the SDFS3.PBP program with tweaks for my hardware specifics and it did not run either. I might have to go back to a 24L series device...