Linux CentOS 5 SSH User Permission Denied

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http://unix.stackexchange.com – Today when i try to ssh into server, i get permission denied. (same for sftp) Ut used to work well before. didn't change any server setting, except was trying to modify a few folders chown permission. Root user can ssh/sftp without problem. Any expert can help? thx (for root user, there is no .ssh/authorized_keys file, only have .ssh/known_hosts file. for normal user home folder does not have .ssh folder) Ed (HowTos)