<frameset rows="36,*,40" framespacing="0" frameborder="0" border="0"> <frame name="top" src="top.html" marginwidth="0" marginheight="0" scrolling="no" frameborder="0" border="0"> <frame name="main" src="startf.html" marginwidth="0" marginheight="0" scrolling="auto" frameborder="0" border="0"> <frame name="down" src="down.html" marginwidth="0" marginheight="0" scrolling="no" frameborder="0" border="0"> </frameset>