Thanks....
FYI, directories were set to 755 and files to 664. I changed the Admin folder/files as suggested and then did the same to the Includes directory/folder likewise. The latter resolved the issue for the includes in the "Control Panel>HTML>default header" section.
Given what the remainder of the directories/files are set as above, do you think they can remain as is since no other problem(s) have occurred? And perhaps set the Admin directory/files back to what they were?
Thanks again for the information and help.