Thanks for all of your help. I tried to save it in my son's AppData folder, but for some reason that wasn't available to me. So I tried once again to do it under his account, but this time I used Internet Explorer instead of Firefox and it let me download and save the file. I was able to open the template and use it under his account.

Go figure. As best as I can tell, Windows was not happy with me trying to download this Office template with a forbidden browser such as FF instead of using IE. What was I thinking?! But it works now and he's all set to go.

Of course I'm about to re-format and upgrade from Windows 7 32-bit to Windows 7 64-bit here in another week or so. So I'll have to do this all over again. but now I know that if I use their approved browser it should work. But I'll still use FF for the other 99.99% of the time, I'm sure much to their chagrin

But really, thanks to all of you who tried to help me out.