If your stylesheet is not loading properly (symptoms include a page that displays no coloring or expected layout etc), then your server's configuration of the Apache service is a little over-aggressive in its efforts to prevent you from doing things that might be questionable.
This will usually happen on first-time installs of Zen Cart to a webserver you haven't used Zen Cart on before, and especially on (but not limited to) Windows/IIS hosts.
If you have access to your server's errorlog data, you can confirm that this is the problem
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