Looks like I have it taken care of. It was intermittent and I think it was just because there was an old bin on the SD card. I had used a different card to load the 5.500 and had not yet removed the old 4.750 file from the card that I was using. It just asked if I wanted to load and I said no. It would load XM sometimes and others not. Now with the old bin removed, it seems to load each time. Slow as molasses to connect and get data, but it works.