Maybe as a workaround, you could move the "index.htm" file from the root of your CD into the folder (and rename the index.htm in the folder to something else), and put a new file that (only) automatically sends you to the index.htm in the folder (this page shouldn't have any content, only a simple redirect to the index file in the folder). That way you don't have to mess with moving up in the folder tree.
Unless, of course, you have multiple folders and need to point to "index.htm" in each .. then this obviously wouldn't work. Is this the issue at hand?