Frames are a type of layout which allow you to see 2 or more pages at once.
First start with this;
where it says number put 3 numbers if you want three rows and 2 if you want 2 rows, the first number you put in will be the height of the first row and so on. Make sure you write the numbers like this; 5%,30%,5%,55%,5% and make sure the numbers add up to 100 because it like percentages.
Then copy and paste this after the above code.
First of all where it says URL put the url of the page you wanna see in that frame, then in NAME type a name for that frame, eg main, you'll see why later. Then in NUMBER put the numbers in like you did before this time it's for the columns in that row.
Then copy and paste this bit for every column in that row,
just fill it in like you did above and when you've done all the columns in that row type and then repeat from the second stage until you have done and the columns for all the rows.
Linking is imporant because most people put there page list in one frame and want there pages to appear in another this is how to do that;
change the url and where it says NAME put the name of the iframe you want that page to open up in.