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Compesh is a question and answer (and debate) website, so before you make a debate, you better learn what an assertion is. I suppose you already know what a question is, and that you've typed it in the box. ;)
An assertion, is basically a statement you can make, that is either true or false.
Richer people have better health.
The question for that would be, Do richer people have better health?
And don't forget to make your assertion, match your question.
*(When a computer says you have clusters like in Windows 9x, it means that you have bad clusters, and need to defragment your hard drive. That's what You have clusters means.)
Update
Because if you pull out your USB drive at the same time a file is being written (saved), the file will end up being corrupt.