The reason you get the "insert <xxx> in any drive" when you try to download is
that <xxx> is your default disk, and the Amiga assumes you want to download to
it unless you say otherwise. If you want to download to a different disk try
typing in the file name as "DF0:DLOAD.ARC" instead of just "DLOAD.ARC". Then
the Amiga will use whatever disk is in the internal drive. (Use the DF1: when
telling the Amiga the filename to save under, not when telling the BBS which
file to send, obviously.) Hope this helps. If you have any more problems, just
yell.