Make sure you are using the @hostname part after your username or you will not be able to access the ftp area.
One thing to note is that the articles and photo albums are not accessible (or uploadable) via ftp; articles and photo albums are uploaded into the internal database and served on the web site dynamically. FTP exists primarily for you to upload static content, such as images used as part of your weblog's design or downloadable files or documents.
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