Oh TY guys for all the patience!!!

First - I am a newbie( well not technically but ...) The only way I THOUGHT to check on the PHP version was to go to cpanel and check the version the server is using.. the indicated version was checked.. I will have to call bluehost and check on the procedure....

Second.. You are right RodG it is very tempting to reuse the old file (but if anyone else is listening) DONT CUT CORNERS! I have learned that a long time ago - however with my overworked stressed life I will sometimes overread some things. not this last time. Now when I did a install wirh zc_install... i deleted the confiure files from both folders and uploaded via fizella the 1.5.4 dist-configre.php did not rename it (assumed the install would do that) and just renamed the admin files to launch from the install screen...



When you state "launching" - exactly what are you doing???
Are you re-running zc_install - you should be
Thinking that maybe i did not code the address correctly in the address line, I navigated to the admin from the last page of the zc installer that is "go to admin"

With this - I will go reread everything Kobra; RodG and everyone else has advised and get back with a yea or nea and an explanation of what has occurred - TIA SO much...