I discovered because it wasted my entire evening - I had previously gone through about 10 banks of MOSS programs, noting those I want for an 'optimised bank' of sounds.
But on copying programs individually from Disk banks, by program number, to the Karma F bank, it is only after 3 hours of effort that I realise that each program copied was out by 1. For example, if in the solotri bank (Trinity MOSS set) I originally marked program number 7 for my use, and then copied program 7 from the solotri bank on disk - it is the wrong program - instead I needed to copy program 8 from disk because that corresponds to F bank program 7.
Surely this is an oversight - perhaps the designer of the internal banks was a C programmer and the designer of the disk utility a Fortran programmer?
In any case - an annoyance - and I now have to start all the actual copying of programs over again.

Kevin