For more Information on HTML Code for Frames,
see Sklar, pp. 211-215
<html>
<head>
</head>
<frameset rows="64,*">
<frame name="banner" scrolling="no"
noresize target="contents" src="testfrb.htm">
<frameset cols="150,*">
<frame name="contents" target="main" src="testfrsb.htm">
<frame name="main" src="testfrm.htm">
</frameset>
<noframes>
<body>
<p>This page uses frames, but your browser doesn't support them.</p>
</body>
</noframes>
</frameset>
</html>