either, it depends. for any directory that doesn't contain a default
such as "index.html", you can choose to just list the directory and it
should give you all the files when you use a web browser. just leave
off the "whatever.html" part.
also, using ftp, you can browse around to other places by using the
'cd' command. 'cd ..' brings you up a level.
now don't snoop too much! ;)