cmd prompt as admin
diskpart
list disk
select disk x
clean
convert mbr
create partition primary
select partition 1
active
format fs=fat32 quick
assign
exit
Virtual Disk Service error:
The volume size is too big.
format fs=fat32 Will give same results just have 20 hours.
Windows 7 fails also.
https://www.howtogeek.com/316977/how-to-format-usb-drives-larger-than-32gb-with-fat32-on-windows/
https://sites.google.com/site/completesg/prepare-sd-usb