ptr = $fb ;$fc

	lda #memutil ;Owned by Utility
	ldx #7       ;7 Pages
	jsr pgalloc

	jsr getsfref ;Configure as system file reference

	stx ptr+1    ;Configure ZP pointer to file reference
	ldx #0       ;Simultaneously initialize X to zero.
	stx ptr+0 
	
	#stradd ptr,pathname ;Append pathname to file ref
	
	ldy #frefname
	ldx #0
	
	#stradd ptr,filename ;Copy filename to file ref

	#rdxy ptr      ;Read pointer into X/Y registers
	
	;Load and relocate the file referenced into the
	;the block of memory that starts at the file ref,
	;thus overwriting the file ref.
	
	jsr loadreloc

	;couple more things to do here... 

	rts

pathname .null "/library/"
filename .null "dir.lib.r"