This is undoubtedly a stupid state of affairs where I missed something in front of my nose. The host, PowWeb, installed WP from their control panel. I added to MySQL and the sample post shows at http://7colorlagoon.com/blog1.
I have read the forums & codex and all begin -- login to the Dashboard. Logical but I haven't figured out how to do that. The files all seem to be there and open to edit (one forum post said to make changes in login file (using Smultron) but I am too new at both a web host (my first except for .Mac) and WP to change anything on my own.
Suggestions are needed and will be appreciated. It is frustrating to admit to something on the level of "Nice car. How do you start it?"
Also, must I have a dedicated blog editor as one Codex article suggested Ecto? If so are there freeware editors for Mac?