Hi, Bill.
You didn't tell us which operating system you are using, so I'm assuming WinXP Pro. Also, I'm assuming all default settings for Quicken. I'm using Quicken 2007 Basic in Vista Ultimate x64, so my screens will be slightly different from yours.
I'm not entirely clear on just what you are asking. But all versions of Quicken for at least several years have, by default, stored the current Quicken "file" right in the QuickenW folder; if you've changed the default location, you'll need to tell us about that. (What Quicken calls a "file" is actually a set of related files including *.qdf, plus some others that vary depending on how YOU use Quicken - but you probably knew all that.)
In other words, your BILL.QDF file is probably in C:\Program Files\QuickenW\BILL.QDF, and the related BILL.* files are there, too. In addition to any backups that you may have made and put elsewhere, there should be a C:\Program Files\QuickenW\BACKUP folder and that should list 5 sets of backups, dated a week apart, starting no more than a week ago and working backwards. Manual backups, of course, were put wherever YOU decided, so we can't help you there.
You should be able to browse to your latest good backup and Restore that. Please don't use File | Open for that backup, because Quicken will immediately change the file as it loads, making it unreliable as a backup for the future. You might want to Restore an older backup first, just to make sure that Quicken works properly with that. When you are reasonably sure that any downloading problems are cleared up in that earlier file, you can restore your latest file to see if the problems have cleared there, too. I don't download transactions, so I can't help much with your specific problem, but there are others here who know a lot more about that and I'm sure some of them will chime in.
RC