First of all, why use a frame set in the first place you ask?
answer: Because my boss told me.
That been said, I have 2 files. Index.html and Head.html.
Contents of index.html:
<!DOCTYPE HTML PUBLIC "-//W3C//DTD HTML 4.01 Frameset//EN" "http://www.w3.org/TR/1999/REC-html401-19991224/frameset.dtd">
<html>
<head>
<meta http-equiv="Content-Type" content="text/html; charset=ISO-8859-1" />
<title>Site Title</title>
</head>
<frameset rows="122,*" FRAMEBORDER=NO FRAMESPACING=2 BORDER=0>
<frame name="t" src="head.html" scrolling="no" marginheight="0" marginwidth="0">
<frame name="b" src="http://www.website.com">
</frameset>
<noframes>
<p>You have frames turned off on your browser, please turn it on and reload this page.</p>
</noframes>
</html>
Contents of head.html:
<div style="border-bottom:2px solid #000;height:120px">
<center>This is the frame head.</center>
</div>
The code works fine in all browsers except Internet Explorer 7 and 8 (I don't care about 6). Is there anything I am doing wrong, and if not then can the same effect be achieved without frames and if so how?