Solved - I remembered working on this with Rob awhile back. I found the answer in the old ticket system.
As you probably already know I need to add the the template to "Allow direct access, including .php files to the directory", and the 'Block tmpl = foo 'system' & 'site' template switch to No'.
New question now...does this open a security risk? Or, in other words, is this something I should change back when I am done developing the site?