Moi, my advice would be the same as tiga's. When up upload a new version of the same file you need to super-refresh (CONTROL & F5 together) that page to update the cache and see the changes. Otherwise the old version in the cache will continue to show up.
Yep, i did that, MT.  I remembered you telling me when this site wasn't going too good to do the Control F5, but it didn't work.  
It was going a bit crazy.  You know how you load the pages and you can't work off line once they're on.  Well, even after i uploaded it back on, i tried opening the index page again and it opened.  I must have somehow had multiple copies of it, even though i didn't do a save as. 
I was at work yesterday and i was wondering why my banner didn't work, so i had a look at the source file and it had a photoshp file there, so i thought i'd get home, open up the index page and change the html and changed the banner file to a gif and put it all back on and thought it would work.  It didn't lol.  And after downloading and uploading 30 fricking million times, chucked a wobbly and you know the rest  

The good part about it, is I have almost rebuilt it to where i was the night before, so i'm getting quicker at this caper.  Actually knew what i was doing this time rather than guessing.  So i am learning even if it's a bit frustrating not knowing when things go wrong how to fix it.  I don't mind things going wrong if i can work out why they happen.  Can't work this one out grrrrr!!!
l