Oh so happy to be your Guru since I knew you could do it, but hoped I remembered because these things tend to happen to more than one of us at a time in my experience. In Safari, it's Preferences, General, and then down on the bottom of the choices check Manually.
You are a rock star!!! I was looking in finder preferences. Silly me! Actually, you need the "open 'safe' files after downloading!!" But I'm now checked and back in business!!! Thank you so much for the screen shot!!! Perfect help!!