BTW - I just read the post about putting the card in an Android phone. I did try that before my initial post (since just the other day I put in a new 64GB card into my Droid 4, I tried the 64GB card I was planning on using in my Clip Zip). It still wasn’t recognized in the Clip Zip.
I have close to 40 different combinations of sequence, operations, applications, etc. that I tried before my initial post (been a network & pc tech for many years, but just kept drawing a blank when it came to this simple thing that I was unfamiliar with).
Again, thanks for the help everyone.