Another month spent chasing down blind alleys, with no budget and little time to work on the webcam issue. And, no success.
Today, My oldest daughter, my son, and I uninstalled and re-installed all software related to the webcam. Then my oldest daughter and I spent a good part of the afternoon, looking through the software's 'help' and the publisher's website. (It's a Creative Labs product: they've got decent products and support, IMO.)
At least I now know that I will not be using the webcam's own software to post photos to the Web. The webcam is what I wanted: a working, low-cost, no-frills digital camera. But, that means that it came with no frills: including ftp / posting functions.
I'm not giving up: but in the short run, my efforts now are to find a substitute for the once-a-minute still photo posting.