docs: private static InputStream findStreamInClasspathOrFileSystem(String fn) throws FileNotFoundException {
      // ms 10-04-2010:
      // - even though this may look like a regular file, it may be a path inside a jar in the CLASSPATH
      // - check for this first. This takes precedence over the file system.
      InputStream is = IOUtils.class.getClassLoader().getResourceAsStream(fn);
      // if not found in the CLASSPATH, load from the file system
      if (is == null) is = new FileInputStream(fn);
      return is;
    }