You said "Dude" again. I don't know why but that cracks me up.  :-)

Just on a quick review I see a number of things wrong. Bookmark
http://www.publishermvps.com/WebDesign/Version2003/tabid/33/Default.aspx so
you have publish directions, I'm not sure that you followed a correct
procedure.
First off, just hitting the home page I see an improper URL of
http://www.study4life.com.au/index.html/index.htm
There shouldn't be a directory there and it shouldn't be using a file name
that is also the default page name. That home page URL should be simply
http://www.study4life.com.au/index.htm
If you have the sub-folder option turned on then Pub writes a directory at
the root alongside index.htm and names it index_files and places all
subsequent files there. So the URL for your other pages should look like
http://www.study4life.com.au/index_files/Page459.htm
and not like this -
http://www.study4life.com.au/index.html/index_files/Page459.htm
You should access the server using a ftp client or host file manager and
delete all the files and folders out there now and do a clean publish.
As for the download files, first off downloads need to be zipped and posted
as a .zip file. This makes for a smaller file and a faster download. It also
prompts the browser to download versus opening the file in the browser,
which a Excel file would do in IE if the client had Excel loaded. If you are
using Windows XP you can zip a file by rightclicking the file name and
selecting compress file. Or you can use a client tool like WinZip. All files
on the web should have no embedded spaces in the file name. You notice that
Publishers sub folder is called "index_files"? Embedded spaces are not
supported in a URI so name your download files with no spaces. It is also
wise to use all lower case. Refer to
http://www.davidbartosik.com/2004/11/web-site-advice.htm for more do's and
dont's. So instead of Study TimeTable - Template.xls you should have
study_timetable_template.zip
And the download link is a problem. You should create a directory (again
using a ftp client or host file mgr) on root alongside the index.htm file
and the index_files directory. You could call it "downloads". So the URL
path of the folder would be
http://www.study4life.com.au/downloads/
and then a download file path would like
http://www.study4life.com.au/downloads/study_timetable_template.zip
and NOT look like what you have now-

ftp://www.study4life.com.au/var/www/html/index.html/Documents/Study%20Timetable%
20-Template.xls

and note you have ftp:// and not http://

that download file should not be accessible because your domain should not
have ftp permissions. If it did then anyone could access and change your
site. Also the ftp port can be locked at a client firewall and prevent a
cleint from downloading it, even if your end had the appropriate
permissions. So drop the ftp.

From the looks of the URL you have on your files it looks to me that you
don't understand what URL you are supposed to use to publish to or your host
has a really oddball configuration. I recommend you review the host
instructions and the upload URL they provided you with. Normally one only
needs to publish to their domain URL, and normally this loads files to a
folder called www on the server, but that directory is for the server and is
local and invisible to the customer and not a part of any URL. So all of
this "var/www/html" should be bogus.

David Bartosik - [MSFT MVP]
www.publishermvps.com
www.davidbartosik.com