You can set permissions to 755 and Zen Cart will work fine.... with a few limitations.
The things that will not work are:
- uploading product/category images VIA THE ADMIN when editing products/categories
- uploading music files to media manager via the Admin
- Define Pages Editor in Admin
- product downloads via redirect
- file-based session/query caching (have to use the default of "database" instead)
- admin banner statistics graphs won't be saved
- admin database-backup scripts won't be usable... have to use phpMyAdmin for backups instead
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