New Micro SDHC card reads as empty in Clip Zip after refreshing

Thanks for the link but that is gibberish to me, really. :)  The tracks I have put on the internal harddrive work fine.  Also, I am not even seeing the file structure - artists/album folders - when I try to read the disc in the Clip Zip.  It just shows as [empty].

Does anyone know for sure when putting tracks on a card to read in the clip zip, whether you add artist and album folders?   Woudl that even matter with my current issue?