I emailed my webhost and they gave me the solution.  I'll reprint it here in case anyone needs help with this issue too.  To be honest, it's all Greek to me.  Obvious newbie here.  Anyway, I tried renaming everything to .php5 and that just made Producer unusable.  After some more research, I uploaded a .htaccess file with the line they list and that did the trick!  My banner works!  (But not in Internet Explorer but I guess that's another issue )

With 1&1 Linux hosting packages you have the choice between PHP 4 and
PHP 5. To distinguish a script as PHP 5, simply name the script with the
file extension .php5.

While the PHP developers have done their utmost to ensure compatibility,
we cannot guarantee that PHP 4 scripts will function 100% correctly
under PHP 5.

Please note that in contrast to PHP 4, the default for the variable
RegisterGlobals and allow_url_fopen is "off".

By default Apache uses PHP 4 for .php extension. If you don't want to
rename all your scripts to .php5 you can do the following:
Create a .htaccess file (using notepad) and place the following line
AddType x-mapp-php5 .php in it.

This will tell Apache to use PHP 5 instead of PHP 4 for the extension
.php in the directory the .htaccess is placed and all sub-directories
under it.

To check the PHP settings on the server, please create a file called
info.php and place this line of code:
<? phpinfo(); ?>

Then upload the file to the root of your webspace or inside wordpress
folder and access the page through a browser such as
http://www.yourdomain.com/info.php