Blue Iris Support told me what I was doing incorrectly:
The Record and Post should be separate.
Using FTP Post does not create a JPEG in the recording folders.
lease turn off JPEG on the Record tab.
And it worked.
Thanks for your ideas.
I am using Blue Iris. I am doing timed JPEG ftp uploads to my website. The file name does not change so it is always overlaying the same file. This is an easy and low overhead way of displaying the current scenery from my house with zero file maintenance on my part for my website.
However...