To download a copy of a hosted file, you have to close it first.
In FMS 12 and older you can do both by right clicking on the file.
In FMS 13 the is a folder icon in the upper right. Click on it and you will see the options
Sent from my mobile device... Please excuse typos.
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Hosted files have the Save a Copy as options disabled as a basic security feature. Those Save options are intended for use on local FM-client files.