Index = 1, always

This seems to work!!!!

/* GLOBALS */
uint64_t      charnumber = 0;
int readLine (File myFile, char *s, int size )
{
    int n = 0;

    while (myFile.available () > 0)
    {
        char c = myFile.read ();
        charnumber++;    // Count the chars
        if (c != '\r')
            s [n++] = c;
        if (size <= n || '\n' == c)
        {
            s [n-1] = 0;
            break;
        }
    }
    return n;
}

// -------------------------------------
void readPasswords (void)
{
    File myFile = SD.open (FILENAME);

    char str [80];
    int  currentLoop = 0;

    nPassword = 0;

    if ( charnumber > 0 ) {   // Skip to where we left off!!!!!!
      myFile.seek(charnumber);
    }

    while (readLine (myFile, str, sizeof (str)))
    {
        char *p = & password [nPassword++][0];
        strncpy (p, str, PASSWORDLENGTH);   // destination, source

        currentLoop++;
        if (currentLoop == NUMBEROFPASSWORDS)
        {
              currentLoop = 0;
              break;
        }
    }
}