Hi there, I just got this phone a couple weeks ago, and I've been pretty happy with it, but out of nowhere today the SD card that came with the phone stopped working. It won't read on my phone or my computer at all, so I switched to a new card. Unfortunately, I seem to have lost all the default folders to place ringtones, music, pictures and so forth, and I'm not sure how to get them back without possibly doing a hard reset (and if doing so will work). So is there anyone willing to tell me the folders that are usually found on the SD card and their names, as well as anything I may need to add? I didn't think the card would short out so soon, so backing things up didn't really cross my mind.