Format SD card

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Can I format the SD card without it ruining my phone?
will this mean i loose root access or anything like that?
Will the phone itself index the SD card with folders that it needs?

well i just tried it out, formatting the card seems to work fine, looks like the phone itself creates the folders it needs when it needs it.

not sure how i can see if the phone is still rooted, since superuser and all that is removed from the sd card now.