Trying to read SD card. What is wrong?

[DofD]

For school I'm trying to make an MP3 player. I have to do this all from scratch, otherwise I would have bought your shield.

Anyway,
I'm trying to read the sd card right now. I made the circuit to the SD card like in the wave shield v1.0. That means:
1- zener to ground, 4.7k to +5v and 1k to pin 10
2 - 10k to ground 4.7k to pin 11
3 - gnd
4 - + 3.3V (I used the +3.3 output on the arduino for this)
5 - 10k to gnd, 4.7k to pin 13
6 - gnd
7 - connected to pin 12
8 -
9 -
I made this a few times on a breadboard, wich didn't work, and have it on some protoboard right now, wich doesn't work either.

Anytime I start up either the daphc sketch from the wavehc library or any of the sketches from the SD library my initialization fails. (error code 1, 0 or 1, FF on daphc) What am I doing wrong?

Also, I compressed the pictures a bit. I still have the high quality ones if anybody wants those.