.htaccess is an apache directives file inside one or more of your /home/(your username here)/public_html subdirectories. You can edit .htaccess to password protect a directory, among other things. You can also password protect directories within cPanel by selecting Web Protect from the cPanel main page.
If you are using FrontPage, do not change any .htaccess file within public_html.
Do not edit any .htaccess file unless you know what you are doing. You may render your site inoperable.
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