OK Mark - I just felt guilty about jumping on one point and completely ignoring the fact you were providing some interesting and useful information.
I just looked it up in my "HTML for Dummies" book. (This is an older one and I don't know if the HTML standards have changed, but it gives the link to another document in the same directory as <"file.html">file</a>
A file in a subdirectory would be <"subdirectory/file.html">file</a>
I believe the slash is automatically read at the end of the directory you're adding onto, if that makes sense.
I try to use the double quotation marks because I've been told it's the standard. I have yet to find a link that doesn't work because someone's left them out, but I guess it could happen. I wonder if certain characters might mess things up if used in a link without the quotes.
Jeri, picking nits.