I had to remove the index.php file completely.  I had an index.html file, which is what shows by default in browsers, but I had issues getting SimpleCMS to work with it.  I am still having an issue with editable areas, however.  I will look at the nesting issue and check out the provided link.

Thanks for the reply!

I'm having this issue as well - I wanted to use this on a client site, as even Wordpress seems confusing to her, but I'm unable to make 90% of my test site editable?

I tried adding 'edit' classes in dreamweaver which didn't work either.

Very frustrating, and no way am I purchasing until this is fixed/resolved!