OK, I thought I was doing this right but clearly I am missing something (my droopy eyes should be a hint).
Anyway, I am trying to create a folder on one of my domains that can be accessed by three people. I thought it would be like the "old" FTP accounts where a folder is created, locked with user accounts, and file linking disabled. But anytime I try to log into this new folder I get an authentication error. Yet, my user and pass are correct.
I'm off to sleep -- I'll look for an answer in the AM, after proper amounts of coffee and sleep.