Suppose there is a document called "foobar.txt"; it sits on an
anonymous ftp server called "ftp.yoyodyne.com" in directory
"/pub/files". The URL for this file is then:
file://ftp.yoyodyne.com/pub/files/foobar.txt
The toplevel directory of this FTP server is simply:
file://ftp.yoyodyne.com/
The "pub" directory of this FTP server is then:
file://ftp.yoyodyne.com/pub
That's all there is to it.