Okay, I've figured out how to check permissions, but I still don't know what to do with them:
what are the permissions on wp-content?
rwxr-xr-x (755)
what are the permissions on wp-content/themes?
rwxr-xr-x (755)
what are the permissions on wp-content/themes/default?
rwxr-xr-x (755)
what are the permissions on all the files and subdirecotries within wp-content/themes/default?
the first set of .php files (404, archive, comments, comments-popup, footer, functions, header, image) are all rw-r--r-- (644)
the image folder is rwxr-xr-x (755)
all files in image folder are
rw-r--r-- (644)
whats inside any .htaccess on the site?
permission is 644, but I'm still not sure what you mean by "what's inside any .htaccess on the site?".