Zencart Permission on server

Playing around with Zen Cart and am getting a error message
Error occurs in Zen Cart when I try to preview my new template.

You don’t have permission to access /test/includes/templates/testtemplate1/images/ on this server.”

Additionally, a 404 Not Found error was encountered while trying to use an ErrorDocument to handle the request

I just built a testtemplate1 with an images directory.
FTP’d it at it shows. Permissions on the folder and file appear to be ok as expected.