SD card read/write with Arduino

Hi ! I'm new in the forum.
First : thanks for this tutorial It looks like very easy to follow.
I just have 2 questions :
I have a handful of 470 and 180 Ohms resistors, is that possible to replace the 1.8kO by a 180O and the 3.3kO by a 510O. In theory it's OK :
Vout = Vin x R2/(R2+R1)
Vout = 5 x 470/(470 + 180)
Vout = 3.62V

My 2nd question : Is the Arduino has a 3.3V output to connect the 4th pin of the SD card ?

Bye.
Montspy.