also, sftp works fine WITHOUT using pub/priv keys. So here's a couple additional questions:
1) Is there a specific directory the pub keys need to reside? (currently, while specify pub key in user acct, i am unable to browse to OS C: drive or any other directory besides the FTP HOME user directory. I don't recall this being the case on the trial version)
2) Do I need to give special permissions to SYSTEM account (or other) where the SSH pub keys are stored?
3) Does the pub key need to be a .key file format?