Got it...
Created a Notepad text file on my dsktop (locally) and named it php.ini all lower case.
Put two lines of code in that php.ini text file:
memory_limit = 64M
output_buffering = 2048
Uploaded into my (cgi-bin folder). No deeper then that!
This folder is located in htdocs folder, right next to a folder in there named .php folder.
After uploading- I clicked into that .php folder is where you will find another text file named php.coalesced Delete that one.
Double check it was removed by back clicking out of that folder and re burrowing in and making sure that php.coalesced file was deleted.
Good to go after that.
This may be redundant but it worked for me
This worked for my Network solutions account
The path was IE:165161netsolhost.com/htdocs/cgi-bin is where the php.ini file goes and the file that needed to be deleted was 165161netsolhost.com/htdocs/cgi-bin/.php/ DELETE (php.Coalesced)
Hope this helps. It seems this is Par for the course out there, you would think WP would create a folder to override that, but them again it would conflict with other Servers too?