I followed these instructions
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jpg is “baseline” not “progressive”
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file is named: [album (space) art(dot)jpg]
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filename is all lower case
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image is 200 pixels by 200 pixels
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jpg file is in the same folder with the MP3 files
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USB mode is MSC before doing any of this.
…aaaaaand…IT WORKS!
I copy everything directly to the Fuze, and do not use _any_ media player to put music on my Fuze.