How to format a USB thumb drive for both Mac and Windows

For those of us who rarely transfer files physically across devices, file-format capability may be a distant memory. It used to occupy a lot of attention. But it still crops up whenever you’re trying to put files on a USB thumb drive to hand off to someone else. If you’re both Mac users, swell; with Mac and Windows in the mix, you might be tempted to pick FAT32 when formatting that thumb drive.But FAT32 is distinctly out of date. Designed for an earlier time, it can’t handle f