This option is only used by clubs participating the CARDS ratings scheme.
[Download] will download the latest CARDS ratings file for update. This download will also take place automatically when you start up the ASE Scorer at any time and a new file is available.
Once the file is downloaded the [update] option will apply the CARDS file to the masterfile. At the start of month the "Start of month" option should be ticked. After that has been applied and there is an update available during mid month then "Mid month" option should be used.