Larry,
Yes, you are correct!
You would need to download this conversion program:
http://www.josefiak.com/projects/KarCrusher/ Here is the author’ description –
KarCrusher 3.2
KarCrusher 3.2 is Java application for converting MIDI Karaoke Type 1 files (.KAR) to MIDI Karaoke Type 0 files (.MID). The program was designed primarily for use with the karaoke feature of the Yamaha Clavinova CVP-96. On this instrument, lyrics will only display for Type 0 MIDI karaoke files such as those distributed by Tune1000 (now renamed eatsleepmusic.com). Type 0 files are not readily available for free, but Type 1 (.KAR) files are relatively abundant on the Net. See, for example,
www.midikaraoke.com. The concept of this program is simple. Merge all the Type 1 tracks into a single track for Type 0, delete redundant lyric information if it is present, and convert all the lyrics from MIDI text events to MIDI lyric events.
Hope this helps,
Tapas