no, Terry had assumed you made a folder called "client" in your web folder, and put the MyBody.Txt in there.
you could just as easily make myBody.txt in the web folder, then the include tag becomes
<!-- Net:f:mybody.txt -->
The f: part of the tag tells it the next bit is a filename, and to include that file in this place.
Obviously you could be a lot more creative, so that "different clients" see different .txt files - that's where Terry had jumped ahead to.
cheers
Bruce