Wow, okay. I guess I found the answer to my own question. I'm not gonna mark this answered quite yet, but I found a few sites and instructions on FatCow itself on how to handle the issue. I guess according to (http://theedgeofall.com/journeys/2010/04/21/php-ini-issues-fat-cow-hosting/), FatCow has a number of issues when it comes to PHP files, insofar that their .ini file needs modification. I have the ability to edit my .ini file and to set it to default if I mess something up, so I'm going to follow the instructions this guy provides and match them to the ones FatCow provides and see if that fixes it at all. Will update shortly.
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