For the contacts folder used by Windows Live Mail when signed in with a Live
ID:
c:\users\userid\contacts\<your windows live id, (e-mail address removed) for instance>\
this seems to be similar to what is at windows live sites but I find that at
times the synchronization is not exact.
the contacts at
c:\users\userid\contacts\ are used if you are not signed in.
each contact is separate, with a suffix of .Contact and can be copied
Michael