The index.htm page is probably the default page the host put in until you actually published your site for the first time.
I suggest you check with your host to be sure you can use the index.html page as your home page as they may have set the default page to .htm instead of .html
After publishing you say you have a folder called private....are you using Front Page? If so this is normal.
I am not sure what you mean about the tags being added. If you use front page and you are comparing what you see in code view, to what you see in source view after publishing, this is due to the front page extensions on the server, and the code that is added to the pages in order to handle the navigation structure of the site when using shared borders.
Rick
Universal4
Note: I have moved this to Freshman Forum where it is more appropriate.
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