The next time you have a problem with your camera, remember that the people at Wolf Camera are geniuses! I went by there again today and they fixed it!!! Last night I had attempted to re-format the card, and in doing it, the camera got hung with the lens zoomed out and it wouldn't go back in. And it wouldn't turn off unless I removed the batteries. I thought it was a goner for sure. But the nice young woman at Wolf's took out the card and reformatted it in another camera - and now it all works fine again. Hallelujah!
Her advice is this:
If you take a lot of photos, download them to the computer and delete them from the card, there is still a residue and build up on the card. She suggested that everyone ought to reformat their cards about once every 30 days (after downloading, of course). The how-to for that is usually in the instruction booklet that came with the camera. She did say that most people don't know that - and so I'm telling you as my good deed for the day!
Now, go forth, my children, and reformat all over the land. Selah.