If I have a page full of internal links--shoes-startingwiththelettera.html, shoes-startingwiththeletterb.html.... shoes-startingwiththeletterz.html, will I get penalized for the term shoes since I mention it 26 times on a page, or will it be irrelevant since it's mentioned not in the anchor text, but the url? For SEO purposes, would it be better for me to have my urls be /a.html, b.html,c.html or the ones with the word shoes in it, or does it not matter?

Thanks!