I've had this with Mozilla. If you have that, there's a 'Download Manager', and it downloads things in the background w/o letting you know the current status. I'm not sure if IE has the same thing or not. If you're only getting 10 meg, you might be getting cut off or something. If you see "file.zip.part" or some such as the listing for the downloaded file, that's often another indicator that it's not done.
Another thing I've been told recently, is that the final screen on the Installation may not show up in Mozilla, which is a pain, because it's the 'where to look for your new product'..;)

I wish I'd said that.. The Staircase Wit

anahl nathrak uth vas betude doth yel dyenvey..;)