hello ;)
1, nope, nokias have always done that.
2, again nope.
3, i's hash (#) to swap the predictive messaging between small and capitol letters
4, the card will work but the folder structure is different so the nokia doesn't know where to find the stuff, if you have a USB lead or card reader connect it to your lappy copy all the stuff off the card reformat the card in the nokia and then put the files back in the correct folder (i.e. pics in pictures etc)
it's a pain I know :(