Thank you John, I really appreciate your help ! As well as the helpfulness of your answer, you got me over my hang up with the apparent visual difference, it's given me a confidence boost. Last year I was diagnosed with Parkinson's disease, which had been, from the brain scans, degenerating the 'grey matter' for about a decade, so I decided (now the meds have really kicked in and I'm on the 'up') to revisit Arduino, give my brain a workout. This is not the forum for personal stories I guess, but I just wanted you to know that your timely reply made a much bigger difference to me than you might have otherwise guessed ! Thank You.
Whilst I'm just getting my head back into C (for Arduino) in readiness for firing up some hardware (shopping list in progress) the library config side lies ahead. Does the CS/SS line ground pin 4 so that the library code knows there is a memory card inserted ?