OK - here's what I discovered...
I'm using an SME Server (www.e-smith.org) to run all of my stuff. When you ceate an I-Bay (Information Bay - used to hold websites and such) - it creates:
/CGI - to hold cgi programs for the website
/HTML - this is the website root.
/FILES - holds anything else you need it to.
So what's happening is when someone tries to go to http://halelearning.no-ip.info/files/index.php it's looking in the /Files folder that the SERVER creates (not the moodle one) - and needless to say - file(s) not found. It's the way this thing sets up aliases and it's universal.
Now to fix this, I have 2 choices - 1) I can rename the moodle 'files' to 'file', go thru every file related to moodle, look for any references to 'files' and change those to 'file' or 2) find a way to locally reassign the alias 'files' to point to the moodle 'files' instead of the SME Server files. Is there a way to do that with .htaccess?
Thanks for your patience!