Thank you
Thank you 4ice!
I appreciate your response. It worked no problem.
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Also, to anyone else who reads this because they got the same message, be aware that the installation page was ambiguous to me the first time I read it.
I wasn't sure if I needed to create the database beforehand or whether the installer would "create and populate the database" all by itself.
I think my original problem with permissions was that I hadn't created the database beforehand and added a user to it. THESE are the values you need in the last set of boxes for the installation, where it says "Table prefix _ott" and Host "local" (or something like that, from memory).
The next three values (database name, username and password) have to be the three values that you created when you set up the database in your cPanel.
This may be dead obvious for people who work with databases, but I'm kinda new to it and this is where I went wrong, I think.
So...
1. create your database in cPanel
2. create a user and password
3. write down these two values (username and password)
4. add that user to the database you've created
5. write down the full name of the database (cPanel will add a prefix to it--probably your Username for your ISP)
6. Use these three pieces of information to run the installer!