Hi Shear Power. I had a similar problem as this a couple of years ago. By some quirk, it would open when I downloaded it. The download from Live Q should save it to a nominated folder on your computer. What I did and what I suggest that you do is to ignore what you think is the Word file, and instead, just upload it to your online banking module, from your hard drive, as usual. It should have saved onto you computer as an ABA file, and that is the main thing. Try this and see how you go.
John L G