Thanks for the clarification on the chmod (and the welcome messages). My current file placement is only for testing until I can sort this problem out, after that I'll really lock it down using subdirs and permissions.
I suspected 755 might not be high enough but how can I chmod to 777? Both the Cpanel file manager and SmartFTP will let you _try_ to set 777 but always revert back to 755. It is fairly normal to restrict this to 755 with most shared hosting accounts so I figured this should work.
Any other thoughts?
Chris