FTP's are mainly used to get the files onto the website, and you usually use the website for the users to download. Some websites use what is called anonymous FTP to allow users to download the files using FTP, mainly because it can provide a faster transfer, and you have more direct access to the files. Anon. FTP might be against VH terms of service, you'll have to check that out, but as far as offering files for download that shouldn't be a problem (As long as your site isn't solely meant for the transfer of files)

Now onto your problem...

Chances are you are limiting the account to only have access to a certain directory when you create it. THe FTP account you mentioned probably has global access to your files and you are placing them in a directory that other accounts you create don't have access to. I would recommend making a directory on your site.. ie. "http://thewashingtonword.com/files", and then for all of the accounts limit the access to the "/public_html/files" directory. This will prevent the users from accessing all of the files on your site, and only allowing them to access the one in the "files" directory. Also note, when you give people access they can add and delete files... so make sure you have backups incase someone accidently deletes a file.

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