Okay, in re using ftp and subdirectories:
The image coding looks like this:
Where "domain.com" would be the subdirectory on Madam's server.
Problem is that you cannot, as far as I've been able to figure out playing around with the coding, resize the image to use as a thumbnail. The img code via [] as opposed to <> doesn't seem to allow it. So you'd have to have thumbnails already created to insert the link in the coding to get this effect:
But I'm still fooling around with it, I ain't licked yet
