when I formatted it there was not a "FAT32" option. there was two choices "exFAT" and "NTFS" -- I assumed that "exFAT" was just a stupid windows 10 thing.

as for SSH I cannot figure it out for the Apollo I run putty, put in the ip address and when it comes up with user name - I dont know what to enter as I dont enter a user name when i log into the Apollo - so I have tried to just hit enter and enter the Apollo's PW but Putty always tells me its the wrong password.

second edit: I tried to use command prompt, diskpart, list disk, list volume, select volume 7 (that is the jump drive), format fs=FAT32 override (tried the override command to see if it would trump the limit of 32 gb) but it states that I cannot format the drive to FAT32 because the size of the drive is too big