Thank you. That's a little clearer for me.
I am a pretty quick learner, but I am definitely still learning my way around.
I still would appreciate some direction on contacting the Admin to tone down the mod security. I have been reading the threads extensively and learned that, this is most likely what is causing this error message when I try to edit the gallery or profile comments:

Not Acceptable

An appropriate representation of the requested resource /MomMe/index.php could not be found on this server.
Apache/2.2.8 (Unix) mod_ssl/2.2.8 OpenSSL/0.9.8b mod_auth_passthrough/2.1 mod_bwlimited/1.4 FrontPage/5.0.2.2635 Server at mom-me-dearest.com Port 80

But I have yet to read any solution yet.