Im getting the hated file format error.....HELP!!!!!!!!

I am trying to create an wml file that will allow me and others to download items to their phones. I have checked my wml file over and over and can find no error in it...so can someone please help me with this. I have a nokia 3595 and I have downloaded ringtones and the such from other wap sites, so I know it works. Here is the text of the wml file I have created for testing purposes to check if it works, and of course it doesn't. It's a really small file, since it is just for testing purposes, but it comes up file format unknown on my phone. Here it is:
<?xml version="1.0"?>
<!DOCTYPE wml PUBLIC "-//WAPFORUM//DTD WML 1.1//EN" "http://www.wapforum.org/DTD/wml_1.1.xml">
<wml>
<card title="Kurt Cobain Wallpaper">
<p>
<a href="kurtcobain1.jpg">Wallpaper</a>
</p>
</card>
</wml>

Yes the picture is a 96 x 65 and it is in grayscale to further help out in case of color compatibility issues. I just don't understand why this error keeps coming up. The file looks fine to me. But, I figured with more than on eye looking at it, maybe I am missing something. I have checked the code in several debuggers and they all come back with no errors. I was able to download the above referenced picture to my phone by connecting directly to it, instead of the wml file. But, I would like to have a main wml file link to all my downloads. I hope someone can help me........Thanks for your help.