Strange behavior

I am using mod_layout 3.2 with Apache 1.3.27 -- By and large it is
working properly.  I will handle the oddities one at a time. 

The first odd thing that is happening is that if I point my browser at a
URL that does not include the file name (index.htm) the layout is not
displayed, which is correct...I have an exclusion to not use
LayoutHeaders or LayoutFooters.    However, If  I point my browser at
the same URL, but DO include the index.htm, then the headers are
shown...Why?

The mod_layout configuratin is here as shown...with a lot of
redundancies pulled out.


<IfModule mod_layout.c>
    LayoutFooter "/include/rdc-footer.inc"
    LayoutHeader "/include/rdc-header.inc"
    LayoutDefaultHandlers Off
    LayoutHandler application/x-httpd-php4
    LayoutHandler text/html
    LayoutHandler server-parsed
    LayoutHandler application/x-httpd-php4-source
    LayoutHandler httpd/unix-directory
    LayoutIgnoreURI /
    LayoutIgnoreURI /*/*/
    LayoutIgnoreURI /*/*/*/
    LayoutIgnoreURI /*/*/*/*/
    LayoutIgnoreURI /*/*/*/*/*/
    LayoutIgnoreURI /*/*/*/*/*/*/
    LayoutIgnoreURI /*/*/*/*/*/*/*/
    LayoutIgnoreURI /*/*/*/*/*/*/*/*/
    LayoutIgnoreURI /*/*/*/*/*/*/*/*/*/
    LayoutIgnoreURI /*/*/*/*/*/*/*/*/*/*/
    LayoutIgnoreURI /*/*/*/*/*/*/*/*/*/*/*/
    LayoutIgnoreURI /*/*/*/*/*/*/*/*/*/*/*/*/
    LayoutIgnoreURI /wpad.dat
    LayoutIgnoreURI /autoprxy.pac
    LayoutIgnoreURI /*shtml
    LayoutIgnoreURI /*/*shtml
    LayoutIgnoreURI /*/*/*shtml
    LayoutIgnoreURI /*/*/*/*shtml
    LayoutIgnoreURI /*/*/*/*/*shtml
    LayoutIgnoreURI /*/*/*/*/*/*shtml
    LayoutIgnoreURI /*/*/*/*/*/*/*shtml
    LayoutIgnoreURI /*/*/*/*/*/*/*/*shtml
    LayoutIgnoreURI /*/*/*/*/*/*/*/*/*shtml
    LayoutIgnoreURI /*/*/*/*/*/*/*/*/*/*shtml
    LayoutIgnoreURI /*/*/*/*/*/*/*/*/*/*/*shtml
    LayoutIgnoreURI /*/*/*/*/*/*/*/*/*/*/*/*shtml
    LayoutIgnoreURI /*/*/*/*/*/*/*/*/*/*/*/*/*shtml
    LayoutIgnoreURI /*php4
    LayoutIgnoreURI /*/*php4
    LayoutIgnoreURI /*/*/*php4
    LayoutIgnoreURI /*/*/*/*php4
    LayoutIgnoreURI /*/*/*/*/*php4
    LayoutIgnoreURI /*/*/*/*/*/*php4
    LayoutIgnoreURI /*/*/*/*/*/*/*php4
    LayoutIgnoreURI /*/*/*/*/*/*/*/*php4
    LayoutIgnoreURI /*/*/*/*/*/*/*/*/*php4
    LayoutIgnoreURI /*/*/*/*/*/*/*/*/*/*php4
    LayoutIgnoreURI /*/*/*/*/*/*/*/*/*/*/*php4
    LayoutIgnoreURI /*/*/*/*/*/*/*/*/*/*/*/*php4
    LayoutIgnoreURI /*/*/*/*/*/*/*/*/*/*/*/*/*php4
    <Directory "/www/htdocs/dept/46/645/directions/">
        LayoutHeaderOff
        LayoutFooterOff
    </Directory>
.
.
.
<snipped>
.
.
.
</IfModule>