Some of this was my misunderstanding that a design had to be applied before I could pull the php link. But some files were changed too. Posting this in case it helps anyone else.
As an aside, in using this today, Safari (mAC) didn't like changes much, so switched to FF to get new changes accepted.
corrected the issue by changing the permissions on the images/ folder and all files and folders under it to 755
I also edited the webassist/caching/PG_CachedResize_Image.php file.
i changed line 14:
$retVal = is_dir($pathname) || @mkdir($pathname, 0777);
$retVal = is_dir($pathname) || @mkdir($pathname, 0755);
and line 360: