Folder permissions when using /etc/skel and pam

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http://serverfault.com – I have a Red Hat 5.8 server that is bound to active directory and users are authenticated via active directory when they log in via sftp. User home folders are created during login using /etc/pam.d/system-auth. The specific line that creates the home folder is session optional pam_mkhomedir.so skel=/etc/skel/ umask=0066 This correctly gives home folders 711 permissions so no one else can read their directories. The problem is, the pam_mkhomedir.so also modifies permissions on all folders/files inside the /etc/skel folder which I don't want. There is a public_html folder (for apache) whic (HowTos)