Geez, I can't understand why people are complaining about an SD card and a card reader. Guess I'm spoiled living in the 21st century owning a $15.00 SD card(actually I have four or five of them laying around for different digital cameras and camcorders) and a $10.00 card reader from Wally World if you don't already have one in your PC. When you buy a $1000.00 digital camera, guess what? You don't get an SD card with it or a card reader so what's the difference with a $1000.00 radio? You don't need to keep the card in the radio after it's updated so maybe you can borrow one

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Marty