91.   The most sophisticated requires the user to download software onto a home computer and allows him or her to try out various retirement scenarios.

92.   The most sophisticated requires users to download software onto their home computers and allows them to try out various retirement scenarios.

93.   When the software was downloaded, computer users infected other files on their hard drive.

94.   He estimated that one million people have downloaded such software and tried it at least once.

95.   They spend most of their on-line time getting information, downloading software and reading on-line magazines,

96.   The company will allow its Internet channel partners to download software to consumers directly from their World Wide Web sites.