Thanks guys. I don't totally understand everything but I will use Google searches to fill in the holes (I like to respect people's time and minimize my questions). Earlier today I looked up the favicon.ico file and learned it is for the icon in your browser's location bar. This website explains how to create it.
http://www.thesitewizard.com/archive/favicon.shtml I put it on my todo list for later since My website seems to be working (meaning I can drag the icon and get an icon on the desktop that does lead to my website). It is not fancy but it works. I will look up the other files Tomorrow.
I fully intended on not making this website a pretty or fancy website. I mainly want the pages to come up fast and I mention that up front in the home page (a marketing approach). I can say one thing. The home page pops up faster than most others I see these days. I got into this way of thinking because some of my pages do way more processing that most and I worry about those pages if this website gets busy. Part of making it fast is making sure it does not get hacked (making sure it is not used to send out spam etc). I just need to know enough to know I don't need to do any more. I am not storing credit card information on purpose for example as a way to reduce the amount I need to know.
Thanks again,
John