also HOW did you mount "fd0" the 3.5 in floppy
New kernels do not even look for one
even with the current 2.6 kernel you have to run " modprob floppy "
I have taken the img out of "downloads" and put it on desktop
linux OS's are NOT MS windows
and in some cases the "desktop" is not a real folder and the os will have problems with files put there .