In this case, the default would be the one that the installer starts with.
If you don't tell it to go somewhere else, it will go in the default folder for the RTC.
PS: as for the URL, you might have been trying to use HTML.
Try: [ URL=www.somewhere.com] This is the clickable text label [/url]
Which gives:
This is the clickable text label
[ September 24, 2002, 18:06: Message edited by: Suicide Junkie ]