UserDir v apache + access forbidden

cau,

predmet spravy hovori o vsetkom, ak zadam http://194.160.28.246/~stewe/index.html vypise chybu 403

mam
Include etc/apache22/extra/httpd-userdir.conf

obsah httpd-userdir.conf je

# Settings for user home directories
#
# Required module: mod_userdir

#
# UserDir: The name of the directory that is appended onto a user's home
# directory if a ~user request is received. Note that you must also set
# the default access control for these directories, as in the example below.
#
UserDir public_html
UserDir disabled root toor daemon operator bin tty kmem games news man sshd bind proxy _pflogd _dhcp uucp pop www nobody mailnull smmsp
#
# Control access to UserDir directories. The following is an example
# for a site where these directories are restricted to read-only.
#
<Directory "/home/*/public_html">
AllowOverride FileInfo AuthConfig Limit Indexes
Options MultiViews Indexes SymLinksIfOwnerMatch IncludesNoExec
<Limit GET POST OPTIONS>
Order allow,deny
Allow from all
</Limit>
<LimitExcept GET POST OPTIONS>
Order deny,allow
Deny from all
</LimitExcept>
</Directory>
======================================

dell /usr/local/www/apache22/data# ls -la /home/stewe/public_html/
total 6
drwxr-xr-x 2 stewe wheel 512 Nov 3 17:40 .
drwx------ 5 stewe stewe 1024 Nov 3 17:39 ..
-rw-r--r-- 1 stewe wheel 12 Nov 3 17:40 index.html