Insight from /var/log/secure
Jan 10 20:28:56 z9m9z sshd[2705]: Authentication refused: bad ownership or modes for file /home/rgm/.ssh/authorized_keys
So here are all of the permissions, I think:
starting at root:
drwxr-xr-x 3 root root 4096 Jan 5 13:33 home
drwx------ 4 rgm rgm 4096 Jan 10 21:13 rgm
drwxrwxr-x 2 rgm rgm 4096 Jan 10 20:28 .ssh
-rw-rw-r-- 1 rgm rgm 1101 Jan 10 20:25 authorized_keys
so what now????