Downloading files using load URL

[John Rule]

  I haven't been able to figure out my problem with 'load URL', and I am
sure it is something easy (but not easy enough apparently!). Whenever I load
a URL to a cached URL, and then save the data to my hard drive, the file is
somewhat corrupted. It is a zip file from a web-site, and I can double-click
it to view the contents, but when I try to extract, I get the error that it
is not a valid file...the details states that there is an extra 5k bytes of
'stuff' that it doesn't like...what am I doing wrong?

It is a password protected zip by the way.

Thanks,
JR