well here is the scoop for me....   It does want to load the hdr files I downloaded ,,,  until I open AgentSmith's file.. then it allowed the hdr files to load in...  once I closed AgentSmith file, it took me quite a few tries to get it to load the newly installed files...  Don't ask me why or how that happens...   So I'm going to just let the program get use to my sytem or vis versa.....

Here is a fish I finally rendered in HDRI....

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