VC0706 card failed, or not present
Comparing and contrasting with the SD card file -- I've found that if you comment out the following -- it works. Maybe this will help someone.

//#if !defined(SOFTWARE_SPI)
//#if defined(__AVR_ATmega1280__) || defined(__AVR_ATmega2560__)
//  if(chipSelect != 53) pinMode(53, OUTPUT); // SS on Mega
//#else
//  if(chipSelect != 10) pinMode(10, OUTPUT); // SS on Uno, etc.
//#endif
//#endif