Go here for Netscape 3.x Settings
Netscape Navigator 4.x Settings
Please make sure your settings are as follows:
STEP 1:
Select Preferences from the Edit menu.
Click Mail & Groups, Identity and set your email address as shown.

STEP 2:
Now click Advanced and make sure "Send Email Address as ananymous FTP password" is checked
as shown.

STEP 3:
Go to ftp.ourbelovedpets.com and select "Upload file" from the file menu
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