it was so simple i realized it myself.
my > ftp://username:password@sitename/publicfolder/publicfile.doc link does
just what i want. when i click it i get a dialogue warning me this could be
harmful & do i really want to open or save it. when i click open, then word
opens & grabs my docfile.
> using ftp syntax that i found someplace i can goto a site and combine the
> username & password like this
[quoted text clipped - 13 lines]
>
> something like
open:word;open:file;ftp://username:password@sitename/publicfolder/publicfile
> .doc
>
[quoted text clipped - 8 lines]
>
> microsoft.public.word.web.authoring