How to Detect a file in ShellListView?

Using ShellListView, how can one detect whether
the item selected is actually a file?

I'm aware of the .folders[index].isFolder function,
but not everything is a folder or a file.

Building a file browser, I want to read any highlighted
file into an RTF control without regard for its content.

Works OK with

if not shellListView.folders[index].isFolder then
// read the file

except when I click on a drive.  App locks up.

Any way to exclude everything except a file?