Permission(s) & /etc/skel

[William Flores <wilbur@wilbur.ozsome.com>]

I have a couple of ??'s here...and I'm still new to linux...but have felt
that I have looked everywhere for it...

1st question:  I have /etc/skel w/ public_html in it...  I have /etc/skel
setup for the following permissions.

drwx--x--x   3 root     root         1024 Nov 29 12:45 skel

	I also have public_html setup for:

drwx--x--x   2 root     root         1024 Nov 29 12:45 public_html

Now when I do adduser temp2 .. this is what happens to these two
directories under /home

drwxr-sr-x   3 temp2    temp2        1024 Nov 29 14:25 temp2

now public_html
drwx--s--x   2 temp2    temp2        1024 Nov 29 14:25 public_html

Why do these not show up as the way they are supposed to?????????  
The main thing I am trying to accomplish is to make sure other users are
not able to see up above their own directory.  The only way I can fix this
is via chmod go-r and go-s on the above files.  What do I do???

2nd Question:  I have a file index.html in the public_html directory and
here is what it looks like:

-rw-r--r--   1 temp2    temp2         961 Nov 29 14:25 index.html 

This file pulls up correctly under /~temp2/index.html

Now if I were to u/l a file via WS_FTP say download.html here is what happens:

-rw-r-----   1 temp2    temp2        3886 Nov 29 14:32 download.html
-rw-r--r--   1 temp2    temp2         961 Nov 29 14:25 index.html

Now look at the difference between index and download....  Also I am not
able to pull download.html up via my browser I get a permission denied
message.  In order to fix this I would need to chmod o+r.

Please help...... I would hate to have to fix each users' directory...my
fingers would get really really tired.

Thanks in advance.

William Flores
System Operator