Thanks Keith, I was 100% certain it was card not camera so thought I'd ask the forum in general rather than pester you. All is good now, except I can't seem to import anything into lightroom, or even view the files in vista. I see the S5 pro device, then it gives me the choice of live or still, both are empty.
Back to google I go.
Still, I really enjoyed hobbling around at lunch time taking pics, had to hobble as bashed my foot last night, just been to docs and he ordered me to a+e, he squeezed my foot and a bone made an audible click

Not good. I'll go tomorrow, Friday in a+e will be hell!
Edit : Shall use the finepix software for that part, kind of puts another step in the work flow but I'll survive.