why do so many websites now have a index on front page instead of normal graphics?

Question

i would also like to know if there is some setting that can remedy this ,,, if it is a setting problem,michael

Answer 1

They most probably don't have a file named index. (index.htm, index.php, index.aspx ).
In order to be able to just type an address without typing out the file name, you must have a file named index in the root directory of said website.