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Your download questions and fears are unwarranted. The new version of Firefox has a customizable download manager. I use it as my primary browser and am very happy with it. I do get occasional crashes, but they are so rare that the benefits of Firefox far outweigh the crashes. Of course some sites refuse to accept any browser other than IE. For those rare instances, there is an extension for Firefox that will open up IE to the site you are trying to visit.
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