Robert,
That's a very interesting question. To transfer a file to the Palm you need to use the install utility in the Palm Desktop, and to the simulator you can install by either dragging and dropping, or right-clicking and selecting install. Once you get the file onto the device you can read and manipulate it. I am having a tough time installing files that should be binary and I have no idea where they are stored, but this should get the files onto simulator. Hope this helps!
Andy F.
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National Instruments