denisb: I went through the same thing with mine, back when I had one. My suggestion is to get on the horn with Roland (since you're in the US) and request one - say you've bought it used and don't have the disk. I did this; Roland was very helpful and kind (no joking! ) and sent me an actual disk for my S-550 which loaded up fine. It was worth the wait, and beats hell out of pulling my hair out trying to make the download work!