That was the problem, was not getting the complete file, was under 3 meg. Got the file attached to an email, installed without error. Had a small glitch when opening TF, have MS's PSDK, needed the CD to confirm it was installed, now TF 3.0 opens without a problem.
Have Zone Labs for security, have not had a problem with incomplete files before.
Good program, thanks for the extra effort that is sometimes necessary.
Neil