Tested in IE6.0, Netscape7.02, Netscape8.0.3.3, Opera8.02 and Firefox1.0.6

<HTML>
<HEAD>
<TITLE>Title To Your Page Goes Here</TITLE>

<frameset cols="100%" rows="100,*" border="1" frameborder="1" framespacing="3">

<frame name="top" src="URL That Only The Effect Is On"
marginwidth="1" marginheight="1" bordercolor="#ffff00" scrolling="no" frameborder="no" noresize>

<frame name="main"
src="URL That All Your Other Material Is On" marginwidth="1"
marginheight="1" bordercolor="#FF1493" scrolling="yes" frameborder="no" noresize>

</frameset>

</frameset>
</HEAD>
</HTML>

How Our Frameset Page Is Configured