Your PHP scripts will run under the same userid as the webserver (Apache), which is "nobody". Therefore, since your PHP scripts do not run under your userid, you must take this into consideration when you are trying to create, edit, or modify files with your PHP scripts.
Secondly, PHP scripts run under the group "nobody" as well. All clients are in the group "cust". Therefore, in order to allow PHP to create, modify, and/or delete files within your account, you would need to have world read/write permission on the files and within the directories where the files will be created.
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