lucy24 - 8:54 am on Aug 16, 2012 (gmt 0)
Goodness. I don't think I even saw your in-between posts while composing mine.
You can link to "index.htm" for development purposes, so long as you remember to delete all of them before uploading the files to the real www space. If it's a big site, you may need to locate a doodad that does this globally without having to open every file. (Practice on a backup first!)
Or you can install a pseudo-server like MAMP or WAMP; then everything will work just like on a "real" site. That also includes the, er, opposite end of any link: the part where you generally want to say /directory/overhere rather than ../../directory/overhere. Site-absolute rather than relative links. Not only for other pages but for stylesheets, includes and similar.