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[David]

For PDF files, only the standard metadata is looked at (Document title, Keywords, File name, etc..).

If you are wanting to use custom search...

[David]

Yes the .desc file option is only for a document file types (PDF, Word, etc..), for HTML files it it assumed that if you want to add meta data you can...

[David]

Yes. But what I am not sure about off the top of my head is if .desc is added to the full URL or just the base.
e.g
websiteaddress/download_file?id=204.desc...