As far as I'm concerned, when you have a great long scrolling list (for example) and you want (need) to keep the nav stuff stationary, frames represent the ONLY way to do it.
The "ONLY"? What about:
<div style='width:300px;height:300px;overflow:auto;'> <!-- put your stuff in here --> </div>
That seems to work pretty well too.
Iframes are perfecty fine in some situations, but don't forget about the above...it works quite well too...
;)
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