Hi Curmudgeon10,
I'm Rodrigo, Independent Advisor and I will help you.
Windows don't format USB drives bigger than 32GB to fat32, to do that you need an alternative tool. This one can help you, but you can use another if you like
https://www.bleepingcomputer.com/download/usb-d...
Note: This is a non-Microsoft website. The page appears to be providing accurate, safe information. Watch out for ads on the site that may advertise products frequently classified as a PUP (Potentially Unwanted Products). Thoroughly research any product advertised on the site before you decide to download and install it.