Strange 403 problem with Apache

Let me start out by saying that this is a new installation, and
I'm new to running Apache. The problem is when I try to access
files in a directory I'm getting 403 errors. I've checked the
permissions on the directory and the files and they are all readable
by the world. Yet I created a second directory and put a file in
there and I can access it fine.

This is on RedHat Linux..


Here is a sample of what happens. I created a file dummy.php.
If the file is in the root directory /var/www/html then I can access
it fine from a remote server using firefox.
If the file is then moved into /var/www/html/forums I can still access
it with no issues.
If the file is then moved into /var/www/html/forums/install I can no
longer access the file. I get a 403 error.

I have checked the permissions on the various directories and they are
all the same. The file still has the same permissions in each case. So
why does it prevent me from accessing the file when I get into the 3rd
level directory. Root level access and 2nd level access work fine, but
that third level of directories is causing me a 403 error.

Any ideas? I don't the directory would be blocked since this is new
setup and I didn't see anything in the httpd.conf file that looked
supsicious.

Thanks for any help.