I found my problem last week. Meant to post back.
Some how .. a htaccess file made it back to my test server from the hosting site!
All better now!
“No matter how slick the demo is in rehearsal, when you do it in front of a live audience, the probability of a flawless presentation is inversely proportional to the number of people watching, raised to the power of the amount of money involved.” ~ Mark Gibbs