So, if you was in continous mode, I think most of the issue was due to a possible buffer overflow. Combined to possibly not ideal light conditions which may have kept you waiting for finding the good focus. In general nothing to change the SD-card, just being a bit patient with the camera
But, I want it NOW!!! Thanks for the help Nikonian. Just part of the learning process and I will have to learn it. Even though this was an 'entry level' camera, I don't think I'll talk my wife into another camera for a LONG while.
John