You should to buy a special Panasonic SD card reader, buy normal full size 1Gb Panasonic (made in Japan) SD card, download SD Jukebox software. Install it on Windows XP computer. Add there 128 kb/s mp3 files to music library of SD Jukebox program. Then.. Format your SD card by that SD Jukebox and move your music library to the card. I did all of those steps and it works. But it's too difficult to use it. Just us mp3 CDs or You may copy music CDs to car audio HDD