Wholly, thanks for the reply.
You can see what I want and what I have here: http://gorvray.com
Click on the URL and you get two directories: Gordon's Travels and Miscellaneous Pixtures.
If you click on Gordon"s Travels, you get an index page complete with layout, text, image and nine links. From Gordon's Travels if you drop down to the next level, you have seven subdirectories plus an image file and an index.html file. This is the way it is supposed to be.
Now if you click on Miscellaneous Pictures (created with that New dr button in net2FTP) you do not get a page with layout, text, image and links. What you get is the next level down is an image file and an index.html file. If you click on that index.html file you get the page I want, but it is not a directory, only a file.
My question is how do I make the second sequence like the first one?
PS: Gordon"s Travels was created some time back with an in-house FTP at another site with a different host. The creation went fairly smoothly, but I do not recall how.