any1 can help me for SD installing?

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I've succeeded in installing 1.6 on my SD.
But when I tried the latest version from sourceforge, I found some problems.
I've been seeing the "hold down volume up or dpad center to launch installer" message again and agan. but I tried every keys, it didn't work.
The files in my SD root are:

androidinstall.tgz
default.txt
haret.exe
initrd.gz
zImage
zImage-eclair

I chose the right default.txt
Could somebody tell me what the problem is?

Finally～～～～～～～～～～～
I made it!!!!!!!!!!
u must hold the key right after u see the scrolling text.
It could be TOO LATE if u push the keys AFTER u see the prompt "hold down volume up or dpad center to launch installer"