title: I/O error while reading BCP format file
body: <p>Today I created a new staging table and a BCP .fmt file.  I created some test data and attempted to run the BCP utility from the command line:</p>
  
  <p><img src="https://i.stack.imgur.com/Hmauv.jpg" alt="BCP Error"></p>
  
  <p>I've got about 20 different format files and staging tables from previous work and this is the first time I have encountered this error.</p>
  
  <p>How can I fix this error?</p>
  
  <p>Please note, I have added my solution below, but if you have other answers, please add them in.  The answer was so quirky/obscure that I think it may help others.</p>