IPTABLES is driving me crazy!!! :P

[Advancewarning]

First thing is first I want to set up all the Policys so that by default they DROP. I did that.

For some reason as soon as I set FORWARD to DROP I no longer have INTERNET!

If I leave it as ACCEPT it works

Another thing is how do I get Apache to work? the only way it will is if I set all thePolicies to 
ACCEPT.

Also if I set OUTPUT to DROP I loose SSH capability.

This is what I have set in order for it to work.  Is there something I am missing here in order for 
all these to be set to DROP to work properly?

Chain INPUT (policy DROP)
target     prot opt source               destination
LOG        all  --  anywhere             anywhere           LOG level warning
ACCEPT     all  --  muldersworld         advancewarning.net

Chain FORWARD (policy ACCEPT)
target     prot opt source               destination
ACCEPT     all  --  anywhere             anywhere

Chain OUTPUT (policy ACCEPT)
target     prot opt source               destination

Thanks!
Mike