Where are the WordPress files stored?

I am very new (we’re talking minutes) to anything web-design-ish, so forgive me in advance for my lack of basic knowledge.

OK, I have a hosting plan with BlueHost, and am using cPanel as a file manager. I have gone through the very good instructions on this page: http://codex.wordpress.org/Using_cPanel

… and am now at the final step, Install, in which I am asked to upload all the WordPress files to a folder I’ve created.

My problem: when I hit “Browse” in the upload box, I am shown my regular old hard disk (My Documents, etc.).

cPanel is online, yes? Where do I FIND the files to upload them? I am not sure how to access cPanel in my “browse” window.

Thanks in advance for helping a true rookie.