Scrooge, did you check out your modem, The only way to download a corrupted file is if your modem did not have error correction turned on, or if the drivers for your modem are not working correctly. Having a 50k connection only mean's that you have a clean phone line and that the front end of your modem is working. Front ends are always Hardware, the middle components and the final end of the modem can be ether hardware, or software, it depends on how much the modem cost.
Come see me at Systematic Investing group #board-966 lets talk formula plans.