Ah yes, figured out the permissions thing and got a bit further and so deleted my post here; it has reappeared. Not to worry...
Found out about some script errors on a couple of pages which stopped me from updating to newer, fixed ones on the Template Manager so had to learn about that but now I'm stuck with a 'session start' error on index.php (says headers already sent, IIRC). If I update index.php through Template Manager, there's no error but when I go in to change your location to mine (beside clock), I get the error again, even if I change just one letter e.g. Canada to Canadx. Any help appreciated.
Other than that, I'm getting there, albeit slowly.
test.htm is just a frame holder to the templates with php running on another server.
Thanks
Al