Downloading and Copyright

I recommend you use Chrome or Firefox to download. Regardless of the browser you employ, RIGHT-click and choose "Save file as..." (or similar words), and first save the file to your desktop or downloads folder. THEN open it from your computer's location. This will avoid getting a pageful of gibberish should you try to open the file within your browser (Exploder and Safari are notorious for this).

CC BY-NC-SA 4.0 image

Files I have authored are covered by Creative Commons Copyright Attribution-NonCommercial-ShareAlike 4.0 International (CC BY-NC-SA 4.0), notwithstanding the lack of such a designation in the file, or an alternate designation in a file. This is in respect of all files I have uploaded and published on the SMART Exchange, that are posted here, or that are shared individually by other means.
Files from other authors, such as those to whom I have linked, are subject to that site's/author's requirements.