 In the other Mosaic window there should be a short list of directories and files, one of which is <TT><EM>username</EM>.html</TT>.  Just as the  string <TT>~<EM>username</EM>/public/html/</TT> is a complete path in the filesystem pointing to the directory you created, the string <TT>http://www.cs.wisc.edu/~<EM>username</EM>/</TT> is a complete path (or full <A HREF="http://www.cs.wisc.edu/docs/url.html">URL</A>) to that same directory in the Web namespace.  If you had wanted to load the document directly, you could have entered  <P>
