var str = location.search;
var writeFrames = (str.indexOf("nowritefs")) 
     && (top.window.length == 0);
if (writeFrames)
{
  if (str == "")
  {
    var bodyFrame = window.location + "?nowritefs#";
  }
  else
  {
    var bodyFrame = window.location + "&nowritefs";
  }
  document.write(
    '<FRAMESET framespacing="0" FRAMEBORDER="0" ROWS="120,*">',
      '<FRAME NAME="banner" marginHeight="0px" marginWidth="0px" SRC="/banner.htm" scrolling="no" >',
      '<FRAME NAME="bodyFrame" marginHeight="0px" marginWidth="0px" SRC="', bodyFrame, '" horizontalscrolling="no" >',
    '</FRAMESET>'
  );
}