diff --git a/stepmania/src/ModeChoice.cpp b/stepmania/src/ModeChoice.cpp
index 22ca29c3c9..c0a1b22542 100644
--- a/stepmania/src/ModeChoice.cpp
+++ b/stepmania/src/ModeChoice.cpp
@@ -270,6 +270,9 @@ void ModeChoice::ApplyToAllPlayers() const
 
 void ModeChoice::Apply( PlayerNumber pn ) const
 {
+	if( !GAMESTATE->IsHumanPlayer(pn) )
+		return;
+
 	const PlayMode OldPlayMode = GAMESTATE->m_PlayMode;
 	if( m_game != GAME_INVALID )
 		GAMESTATE->m_CurGame = m_game;
diff --git a/stepmania/src/ProfileManager.cpp b/stepmania/src/ProfileManager.cpp
index bc988c74f8..69136ad8b3 100644
--- a/stepmania/src/ProfileManager.cpp
+++ b/stepmania/src/ProfileManager.cpp
@@ -26,6 +26,7 @@ ProfileManager*	PROFILEMAN = NULL;	// global and accessable from anywhere in our
 
 #define STEPS_MEM_CARD_DATA_FILE	"StepsMemCardData.dat"
 #define COURSE_MEM_CARD_DATA_FILE	"CourseMemCardData.dat"
+#define NEW_MEM_CARD_NAME			"NewCard"
 #define NEW_PROFILE_NAME			"NewProfile"
 
 ProfileManager::ProfileManager()
@@ -114,13 +115,21 @@ bool ProfileManager::LoadDefaultProfileFromMachine( PlayerNumber pn )
 	return LoadProfile( pn, sDir, false );
 }
 
-bool ProfileManager::IsMemoryCardInserted( PlayerNumber pn )
+CString GetMemCardDir( PlayerNumber pn )
 {
 	CString sDir = PREFSMAN->m_sMemoryCardDir[pn];
 	if( sDir.empty() )
-		return false;
+		return sDir;
 	if( sDir.Right(1) != SLASH )
 		sDir += SLASH;
+	return sDir;
+}
+
+bool ProfileManager::IsMemoryCardInserted( PlayerNumber pn )
+{
+	CString sDir = GetMemCardDir( pn );
+	if( sDir.empty() )
+		return false;
 
 	//
 	// Test whether a memory card is available by trying to write a file.
@@ -141,35 +150,33 @@ bool ProfileManager::IsMemoryCardInserted( PlayerNumber pn )
 
 bool ProfileManager::LoadProfileFromMemoryCard( PlayerNumber pn )
 {
-	CString sDir = PREFSMAN->m_sMemoryCardDir[pn];
+	CString sDir = GetMemCardDir( pn );
 	if( sDir.empty() )
 		return false;
-	if( sDir.Right(1) != SLASH )
-		sDir += SLASH;
 	
 	m_bUsingMemoryCard[pn] = true;
 	bool bResult;
 	bResult = LoadProfile( pn, sDir, false );
-	if( bResult )
-	{
-		return true;
-	}
-	else
-	{
-		// silently create memory card data here
-		bResult = CreateProfile( sDir, NEW_PROFILE_NAME );
-		return bResult;
-	}
+	return bResult;
 }
 
 bool ProfileManager::LoadFirstAvailableProfile( PlayerNumber pn )
 {
-	if( IsMemoryCardInserted(pn) && LoadProfileFromMemoryCard(pn) )
+	if( LoadProfileFromMemoryCard(pn) )
 		return true;
-	else if( LoadDefaultProfileFromMachine(pn) )
+	
+	CString sDir = GetMemCardDir( pn );
+	if( !sDir.empty() )
+	{
+		CreateProfile( sDir, NEW_MEM_CARD_NAME );
+		if( LoadProfileFromMemoryCard(pn) )
+			return true;
+	}
+
+	if( LoadDefaultProfileFromMachine(pn) )
 		return true;
-	else
-		return false;
+	
+	return false;
 }
 
 bool ProfileManager::SaveProfile( PlayerNumber pn )
@@ -240,7 +247,7 @@ bool Profile::SaveToIni( CString sIniPath )
 bool ProfileManager::CreateMachineProfile( CString sName )
 {
 	if( sName.empty() )
-		sName = NEW_PROFILE_NAME;
+		sName = "Machine";
 
 	//
 	// Find a free directory name in the profiles directory
diff --git a/stepmania/src/RageUtil.cpp b/stepmania/src/RageUtil.cpp
index 5dbfba6bf0..090d8ae974 100644
--- a/stepmania/src/RageUtil.cpp
+++ b/stepmania/src/RageUtil.cpp
@@ -318,20 +318,16 @@ bool CreateDirectories( CString Path )
 		if( mkdir(curpath, 0755) == 0 )
 			continue;
 
-		if(errno != EEXIST)
-		{
-			if( LOG )
-				LOG->Warn("Couldn't create %s: %s", curpath.c_str(), strerror(errno) );
+		if(errno == EEXIST)
+			continue;		// we expect to see this error
 
-			/* When creating a directory that already exists over Samba, Windows is
-			 * returning ENOENT instead of EEXIST.  Continue if we get that error, but
-			 * log it just in case it was a real ENOENT.  (Otherwise, we'll fail to
-			 * create a directory when we could have succeeded.) */
-			if( errno != ENOENT )
-				return false;
-			else
-				continue;
-		}
+		// Log the error, but continue on.
+		/* When creating a directory that already exists over Samba, Windows is
+		 * returning ENOENT instead of EEXIST. */
+		/* On Win32 when Path is only a drive letter (e.g. "i:\"), the result is 
+		 * EINVAL. */
+		if( LOG )
+			LOG->Warn("Couldn't create %s: %s", curpath.c_str(), strerror(errno) );
 
 		/* Make sure it's a directory. */
 		FlushDirCache();
@@ -339,7 +335,12 @@ bool CreateDirectories( CString Path )
 		{
 			if( LOG )
 				LOG->Warn("Couldn't create %s: path exists and is not a directory", curpath.c_str() );
-			return false;
+			
+			// HACK: IsADirectory doesn't work if Path contains a drive letter.
+			// So, ignore IsADirectory's result and continue trying to create
+			// directories anyway.  This shouldn't change behavior, but 
+			// is inefficient because we don't bail early on an error.
+			//return false;
 		}
 	}
 	
diff --git a/stepmania/src/ScreenManager.cpp b/stepmania/src/ScreenManager.cpp
index 2bd96a5d3e..2b74c5fb51 100644
--- a/stepmania/src/ScreenManager.cpp
+++ b/stepmania/src/ScreenManager.cpp
@@ -39,12 +39,14 @@ ScreenManager*	SCREENMAN = NULL;	// global and accessable from anywhere in our p
 #define CREDITS_COLOR					THEME->GetMetricC("ScreenSystemLayer","CreditsColor")
 #define CREDITS_SHADOW_LENGTH			THEME->GetMetricF("ScreenSystemLayer","CreditsShadowLength")
 #define CREDITS_ZOOM					THEME->GetMetricF("ScreenSystemLayer","CreditsZoom")
-#define CREDITS_TEXT_PRESS_START		THEME->GetMetric ("ScreenSystemLayer","CreditsTextPressStart")
-#define CREDITS_TEXT_JOINED				THEME->GetMetric ("ScreenSystemLayer","CreditsTextJoined")
-#define CREDITS_TEXT_TOO_LATE			THEME->GetMetric ("ScreenSystemLayer","CreditsTextTooLate")
-#define CREDITS_TEXT_INSERT_MORE		THEME->GetMetric ("ScreenSystemLayer","CreditsTextInsertMore")
+#define PLAYER_INFO_PRESS_START			THEME->GetMetric ("ScreenSystemLayer","PlayerInfoPressStart")
+#define PLAYER_INFO_INSERT_CARD			THEME->GetMetric ("ScreenSystemLayer","PlayerInfoInsertCard")
+#define PLAYER_INFO_NO_CARD				THEME->GetMetric ("ScreenSystemLayer","PlayerInfoNoCard")
+#define PLAYER_INFO_NOT_PRESENT			THEME->GetMetric ("ScreenSystemLayer","PlayerInfoNotPresent")
+#define PLAYER_INFO_INSERT_MORE			THEME->GetMetric ("ScreenSystemLayer","PlayerInfoInsertMore")
+#define CREDITS_TEXT_HOME				THEME->GetMetric ("ScreenSystemLayer","CreditsTextHome")
+#define CREDITS_TEXT_FREE_PLAY			THEME->GetMetric ("ScreenSystemLayer","CreditsTextFreePlay")
 #define CREDITS_TEXT_CREDITS			THEME->GetMetric ("ScreenSystemLayer","CreditsTextCredits")
-#define CREDITS_TEXT_FREE				THEME->GetMetric ("ScreenSystemLayer","CreditsTextFree")
 
 const int NUM_SKIPS = 5;
 
@@ -173,7 +175,7 @@ void ScreenSystemLayer::RefreshCreditsMessages()
 		}
 		break;
 	case COIN_FREE:
-		sCredits = CREDITS_TEXT_FREE;
+		sCredits = CREDITS_TEXT_FREE_PLAY;
 		break;
 	default:
 		ASSERT(0);
@@ -194,23 +196,27 @@ void ScreenSystemLayer::RefreshCreditsMessages()
 		CString sPlayerInfo;
 		if( GAMESTATE->m_bSideIsJoined[p] )
 		{
-			sPlayerInfo = CREDITS_TEXT_JOINED;
+			Profile* pProfile = PROFILEMAN->GetProfile( (PlayerNumber)p );
+			if( pProfile )
+				sPlayerInfo = pProfile->m_sName;
+			else if( GAMESTATE->m_bPlayersCanJoin )
+				sPlayerInfo = PLAYER_INFO_INSERT_CARD;
+			else if( GAMESTATE->m_bIsOnSystemMenu )
+				sPlayerInfo = "";
+			else
+				sPlayerInfo = PLAYER_INFO_NO_CARD;
 		}
 		else if( GAMESTATE->m_bPlayersCanJoin )
 		{
 			if( PREFSMAN->m_iCoinMode==COIN_PAY && GAMESTATE->m_iCoins<PREFSMAN->m_iCoinsPerCredit )
-				sPlayerInfo = CREDITS_TEXT_INSERT_MORE;
+				sPlayerInfo = PLAYER_INFO_INSERT_MORE;
 			else
-				sPlayerInfo = CREDITS_TEXT_PRESS_START;
+				sPlayerInfo = PLAYER_INFO_PRESS_START;
 		}
 		else
 		{
-			sPlayerInfo = CREDITS_TEXT_TOO_LATE;
+			sPlayerInfo = PLAYER_INFO_NOT_PRESENT;
 		}
-		
-		Profile* pProfile = PROFILEMAN->GetProfile( (PlayerNumber)p );
-		if( pProfile )
-			sPlayerInfo += "  " + pProfile->m_sName;
 
 		m_textPlayerInfo[p].SetText( sPlayerInfo );
 	}
diff --git a/stepmania/src/StepMania.cpp b/stepmania/src/StepMania.cpp
index 7e295f873c..8a96d8e747 100644
--- a/stepmania/src/StepMania.cpp
+++ b/stepmania/src/StepMania.cpp
@@ -393,7 +393,7 @@ struct VideoCardDefaults
 		640,480,
 		16,16,16,
 		2048,
-		0	// accelerated?
+		1	// accelerated
 	},
 	{
 		"GeForce|Radeon",