Go to the Market and download instal Astro File Manager - Free. It will allow you to see and access all folders and files on the SD card. If it is a file you saved from a webpage, it "should" be in the "Donload" folder.
Also, if you plug your phone into your PV via the USB cable, you can then pull down the Notification Bar and select USB Mass Storage device and access all the files on your SD Card on your PC....
"1) Connect the USB cable to the phone and PC...wait a few seconds...
2) That few seconds was to allow the SD card to "mount" if it needed to in order to be read by the PC. If it didnt "mount", then it more than likely is in "USB Charge Only Mode"..and we will address that next.
3) Now, reach up and "drag" down the Notification Bar Screen...anywhere in the middle of the bar will do and just "tap/drag" at the same time should work.
4) If it opened properly, you should now see "USB Connected"...tap it to bring up a pop-up window with 4 options. USB Mass Storage Mode, USB PC Mode, USB Charge Only Mode and Windows Media Sync Mode...we will be using USB Mass Storage mode, so tap it..
5) You may see in the Notification Bar an icon of an SD card doing a little "dance"..this is the SD card mounting again...its normal. Once it does it thing to completion, your PC is likely to open a folder showing more folders...this is the contents of your SD card. If it doesnt, we can do that manually by going to My Computer and click the "new" drive that has popped up...it should read as 16GB or so..."