When you exported to Gedcom file did you choose produce file for:
Legacy - wrong
or for
Gedcom 5.1.1 only? - correct.
And when you say "it will not download" I assume you have placed your 'file.ged' on a web site for the lady to download to her computer so your friend should right click the link and save as...
or have you sent it by e-mail? And if so what is her e-mail client? Yahoo, Gmail, other.
The first two have links to click on to download.
And is your friend downloading the gedcom to her hard disk before trying to import it into FTM or is she trying to import it from your website/her e-mail programme. She should be doing the former.
cheers, falcybe