Okay...I'm trying real hard to figure out this iframes thing. Someone made me a background, and I don't know how to turn it into frames. Do I need to place the image w/ the iframe html on one page, then create the other pages to link into that page? Help! Please?

Yes, you create a regular ole .html page, then on it, you place your iframe, and then you make multiple pages and link them so they open in your iframe.