Fran, Joan and Len, thanks for your replies. If I understand correctly, I am not going to be able to use SD Explorer because I only use Windows 98. If I understand Joan correctly, it is designed to work with Windows EP only.
I still funtion well with my old workhorse computer that has Windows 98. What is the old saying, "If it works, don't fix it" - something like that. Hopefully, there is a way around this.
Scott