HP Photosmart 620......SD 128 Card

[wee_haggis]

I have a HP620 and bought a Dane-Elec 128mb SD memory card.
I know this camera supports up to 128 mb.
I continue to get "unspported Image" message for every photo I take (the original internal memory and 32mb Sandisk card work ok).
I tried the firmware update but (unless I'm doing something wrong),the message comes up that there is no update loaded.
When I open explore to find the downloaded uncompressed file,I'm not sure if I am dragging it to the correct place (my lingo is not so good...Root ?).Where or what is root?..I assumed it was the main folder (not sub folders).
When I drag it over and paste (as per instructions)the camera red light flashes for a few seconds but does not turn amber in color (the instructions say it should change color and then shut off) .It does not shut off either.
Please help.
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Edit:
I think my camera will not accpt the firmware upgrade because I already have the most up to date (v0.63).
So, now it seems like maybe the card is faulty?
or
Does anyone have other suggestions ?