So, I called T-Mobile this morning, and they asked me to reinsert the SD card and call back when the problem happens again - idiots! So, I had to get grumpy, which I hate to do, and tell them that was a stupid idea and rattled off the reference number that Jsourp has shared with everyone (THANKS!) and the support newbie reluctantly looked it up and sheepishly said it's a 'known issue' and that they don't have a fix for it - again, idiots! He offered to walk me through a hard reset - and that's where I chose not to waste any more of my time. I then called HTC and told them about the problem and the lady there quickly knew what I was talking about and would be happy to replace my 8g card...if they had any. I asked her to confirm if their thinking is that they sent out a bad batch of SD cards, at which she chuckled (as if to indirectly reply, "correct") and then gave me the company line that all she could tell me was that they will happily replace the card when they get new ones in next week; and that I'll have to call back then. So, I told her, "I just want to make sure...will a new SD card fix the problem, is that the fix?" And she emphatically said that it was. So, my guess is that it is a bad batch of SD cards. It seems some people are having success with third-party Class 2 cards, but I'd feel much better with a class 4 or 6. Have great weekend everyone! And thanks for all the help!