Many of these files are saved in Rich Text Format. RTF files are universal for all word processors and computers. Macintosh users who do not have Microsoft Word can download the RTF files (which will appear on the desktop) and then use Appleworks to read them. PC users will find that the files open immediately when downloaded; remember to save them before you close them. Some of these files are large, so downloading time varies depending on the speed of your connection. Be patient.