Hi, RayMitchell.
Yes, that's what I thought, too. I've deleted the index.html file from the /home/e-smith/files/ibays/egroupware/html directory and just now double-checked that the only "index.*" file is the index.php in that directory. If a user issues the address with the /index.php on the end it works fine. But without it, I get the "...not customized" error.
I just re-checked it and the same thing happens. I must enter index.php at the end.