From the referenced Codex I found where to select a file and see/change permissions in cPanel.
WRT what/how the server is running php and if my host is running a shared hosting suexec format, I’m clueless.
Did change the permissions of index.php and .htaccess as described in the Changing_File_Permissions article to more permissive from 644 to 664 and now getting Internal Server Error messages.
Like I said, not an expert, just dangerously curious. Going to backtrack and see what brings me back to even.