Keywords in File Names and urls Do Help

Matt Cutts has advised on his blog that having keywords in file names and urls does help Google judge the quality of a page. The Search Engine Roundtable blog has the quotes:

http://www.seroundtable.com/archives/006049.html

We always use keywords in our file names, currently using dash separation as follows:

keyword1-keyword2-keyword3.htm

With domain names, we usually think about buying the non-dash-separated domain name first, and then think about the dash separated version as a "nice to have" afterwards.