Thanks again to all that have tried their best to help. It's not the card as I also tried a 2nd card, and checked out both cards in my computer's reader. Both cards had nothing on them. The Live View doesn't work either.
At this point I'm inclined to believe that a lot of this refurb business is more monkey business then fact. Seems to me that a refurb goes through a quick checklist to match up to their acceptable standards, then cleaned, and boxed up. If they would have bothered to test it, it would have failed. Most likely it is assumed that Demos don't get abused, and are just being recycled. Then again, maybe it was tested, but it was just passed on since everything these days is all about productivity numbers.
This is the 2nd time in 6 months that I've had an issue with
Adorama. 1st time I purchased Nixon extension tubes after calling and being assured that they do work with my D70S and lenses. The fact was that they didn't. I had to return those, and got a set of Kenko tubes instead for way less money.
Naturally, I'm disappointed. I'm officially done with anything used, or refurb'd, no matter what warranties come with it, or how cheap it is. Most likely I end up with a new D5100 body for less money. It's not what a D90 is, nor what I really wanted, but such is life when one lives on a budget.