In an effort to 'shrink' my system, I 'cleaned' out the last line :
from my '/etc/pcmcia/config' file... sigh. I now have cause, effect, and a cure.
Interesting to note that the cardmgr program acts like it loads (?) this particular file on sig-hup, but not on startup?
I'm feeling dumb for having wasted y'alls time... back to real problems!
Hope this helps other anal-retentives who like to (over)- clean out cruft! ...
thanks for all (dave),