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First, what server are you using with your Mac? Are you using the built-in Apache server or a third party solution like MAMP?
Second, typically in the Mac setup, Macintosh HD/username/Sites will be http://localhost/~username in your web browser using the built in Apache server.
So in the default setup, your URL prefix is wrong because there is an extra "Sites" folder which doesn't exist as the local web sees it.
I believe that I have figured this out (largely through trial and error).
I wish I could say...it took trial and error!