Ok sorry, figured it out

but I have a new question relating to uploads.
I get this error on upload:
"Upload error - unable to create a user subdirectory on server. Return". I searched this forum thread and saw some mention of CHMOD for the downloads/uploads directory. Checked that and it seems fine.
I have the following settings:
local_file_root=yes
Directory Prefix=/home/username/public_html/forums/
Uploads Dir = ./downloads/
Actual PWD response from shell: /home/username/public_html/forums
From /home/username/public_html/forums: ls -la
drwxrwxr-x 2 root root 1024 Jul 7 20:44 downloads/
root@blah [/home/username/public_html/forums]# ps -ef | grep httpd
root 15820 1 0 20:23 ? 00:00:00 /usr/local/apache/bin/httpd