lol didnt stop to think of it like that

this is more of a general website question but ill post it here anyway.
when you use SSI to include a menu onto every page of your site using this code:
<!--#include virtual="menu.htm" -->

do I need to have every page in my cgi-bin for it to work? because my ISP told me that you do but i dont want to have to access my cgi-bin all the time just to go to my site....