Chuck - I took your advice and stuck to the server as the culprit. I noticed that the PHPInfo() did not show any changes with my local php.ini file. So I studied this more and discovered that I had a syntax error in the local php.ini file.
In case someone else plans to include a php.ini file within their photopost directory I will show the one I used and got to work (noting that some of my defaults were OK):
Content visible to verified customers only.