general problem with CI getting work :(

[eluser]lemonek[/eluser]
To be clear:
1. I dont have any .htaccess
2. I use XAMPP server on Win XP
3. CI is localed at "htdocs\ci\" witch i access as http://localhost/ci/
4. On htdocs\ci i have "system user_guide index.php licence.txt"

Now my problem...:
when i run: http://localhost/ci/ i gets default Welcome screen, but if i create simple controller under \htdocs\ci\system\application\controllers called test.php with content:

<?php
class Test extends Controller
{
function index()
{
echo 'Test CI';
}
}
?>

and run http://localhost/ci/test/ i gets servers default 404 page so i put .htaccess to /ci/ dir (im total noob with htaccess):

RewriteEngine on
RewriteCond %{REQUEST_FILENAME} !-f
RewriteCond %{REQUEST_FILENAME} !-d
RewriteRule ^(.*)$ /ci/index.php/$1 [L]

and the i gets:
The URI you submitted has disallowed characters.

in config.php i have:
$config['base_url'] = "http://localhost/ci/";
$config['uri_protocol'] = "AUTO";
$config['permitted_uri_chars'] = 'a-z 0-9~%.:_\-';