I will need to check what the index was - all I have is my passphrase and the address
There is only 1 way to generate an address with index != 0, via console. Have you touched the console? Have you typed there things that you weren't sure what they did? Was "generateaddress" one of them?
nope. This clears it up for me, Thanks!
Also this:
Just to get it straight so I'm not confused...I downloaded the html file above and entered my password and got back my iota address. So this means my address is on index=0 -- therefore your message in blue does not apply to me? correct?
Correct.