Where should I discuss SD/MMC FAT issues?

[skimask]

Second, man you hit the nail on the head! I went from about 55,000 Tcy to 5098 Tcy by forcing the bank locations to 0 for the variables used in the read/write loops

SWEET!

Do you think by pushing the loop subs up to the top of the program I could see even faster speeds?

Probably not...BUT...if you take all of the variables in that tight loop, and make them all BANK0, you might see an incremental speed increase. I can't remember if the compiler will complain once it's out of BANK0 space or not, or if you'll even know it. One thing to do would be to check the .lst file and see where they're being put.
(looking at the new doc file now)