If no particular file is specified, the directory index file will be the first file the server loads from a folder.
For example, if you type in mydomain.com/contact_us.php, the server will return the contact_us.php page. If you type in simply mydomain.com, the server will load the directory's index file.
The server looks for the specific index files in the following order:
If the server does not find any of these files, it will display a default screen with a list of the files in the folder. This can be a security risk so you always need to ensure that a file will be served instead.
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