I posted my second response because I did report the problem to my webservice provider and they looked and didn't see any problem they said "This looks like a code-related issue of your application, besides, direct access to jpeg file is working fine:
http://www.gloriadeikids.org/zenphoto/albums/christmas/christmas-2010/DSC_2091.jpeg"
I deleted the cache files and it recreated them, but not for the .jpeg ones. For the .jpeg ones, the zenphoto code wants to do the weird source code.
When I try to point my browser to it, I get a HTTP404 webpage can't be found message.
If I put debug on it:
http://www.gloriadeikids.org/zenphoto/zp-core/i.php?a=christmas/christmas-2010&i=DSC_2148.jpeg&s=100&c=1&cw=100&ch=100&q=75&t=1&wmk=!&debug
I get:
Zenphoto Image Processing Error: Too few arguments! Image not found.
Request URI: [ /zenphoto/zp-core/i.php?a=christmas/christmas-2010&i=DSC_2148.jpeg&s=100&c=1&cw=100&ch=100&q=75&t=1&wmk=!&debug ]
PHP_SELF: [ /zenphoto/zp-core/i.php ]