well I indeed cleaned the card several times and put it in and out of the card reader to hopefully clean the contacts in there as well, but no dice. I took it in to the dealer again yesterday and they had it all day and never called me. I called today after 3PM and the guy told me he needed to replace the ECU. I told him they replace that a couple weeks ago and upgraded the firmware. he said he'd have to do more research. and this is after I left him a note IN THE CAR saying if you press the Nav button, you'll see the navigation never loads and it seems to time out, causing the unit to reboot. If the card is out it doesn't reboot. i don't know how much plainer I can be! I also told him today about something I found out from another site, that there is a "Patch 59" that supposedly fixes this problem. Note that it ONLY happens when the temperature is below 30 degrees and it reboots until the car has warmed up. I just don't see how that can be a s/w problem. so let's see what he comes up with tomorrow.