...It took hours to work out each piece of the puzzle, especially to finally work out the full path to the password file so that I could list it in the access file.
That's my biggest problem so far, figuring out the FULL path. The help desk gave me some good ideas, but the code sample is different than found on
http://www.javascriptkit.com/howto/htaccess3.shtml and the password encrpytor:
http://www.tools.dynamicdrive.com/password/. Everyone says to put the .htpasswd file above where a browser will see it (i.e. before /public_html) but I have no idea what to call it.