Sorry bro - I guess I have forums all wrong. I thought they were for people who wanted help from from those who had run into similar situations before. Let's face it, the answer to everything is out there but not everyone knows where to find it. I searched the forums and help sites and answered all my questions but that one. Ya, it was there all along and for one reason or another I missed it.
NOT example.com/wordpress - only if the user uploads the files into the "wordpress" directory. So, don't blame WP for what you did.
Here is what the instructions say. if somebody cares to read it:
Seriously?? Did those really need to be there or contribute to the answer whatsoever? I don't get the feeling you enjoy your job a whole lot . . .