If you are a HotKey user, the rule of thumb is that you don't need FTP access. You can use the built-in features of HotKey to edit your site. You can use the File Manager to upload and download files to various folders. You can even assign users to "groups" and then give groups permission to upload and download white not necessarily giving them permissions to edit the site. If we did not think of a scenario that fits your needs, please let us know.
If you are hosting without HotKey and FTP access is required and we will set you up.
We have created tutorials, some animated, that we highly recommend you watch if you plan on editing your site. These tutorials will walk you through the most oft-used features of my CMS. Hosting fees do not cover our time answering questions that are already answered there so we urge our clients to read all they can. Here is the link:
http://www.oceanmedia.net/help.asp
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