$ curl -SsfI https://www.credit-suisse.com/media/assets/corporate/docs/about-us/investor-relations/financial-disclosures/results/csg-special-committee-bod-report-archegos.pdf | grep -i disposition
    content-disposition: attachment

"Downloading" here means that it sends something to your downloads folder and doesn't participate in the normal browser UI. When I use a browser, I generally expect to use its UI. If it transferred a PDF but showed it in the normal UI (colloquially not referred to as "downloading," although yes, it still is an inbound transfer of data), it'd be less annoying.