Are frames obsolete on Web sites? Do I need to redesign my site?

I would agree that you should "bite the bullet" and take the time to switch to CSS, even if you are still going to use frames.

I recently redesigned our website to switch from our "old" 1990's-style site, to a more modern CSS style. I kept the content >90% the same, but I now have a single file for the page headings, one for the main menu bar, one for the sidebar navigation, and one for the footer. Now, aside from a few lines of server-side includes, the pages are almost pure content, with very little clutter for the stuff that doesn't change from page to page.

While it took a few days (there are probably about 100 pages on the site), any changes are now a breeze, and any changes in style or look are done in one file.

Dear Sir:
When I open the window above the account tab on my Youbet Express Web page, the left frame loads properly but the right frame does not load at all. It remains blank. I need both frames loading properly. Not just the left frame. I can not use the Web page untill this is corrected. I only have rudimentary skills in computer technology, so if I could receive help in an easy step format, I would be able to follow through.
I restored the IE default settings and I enabled the cookies and Active X controls but the right frame still does not load. The preferences on the scroll down of my account tab such as deposit or withdrawal will not load either. Instead there is a large white screen with 403 Access Forbidden at the top left corner. If the right frame can be corrected and begins to load, the other scroll down windows will load as well.
I have a Windows 98 SE and a default browser IE 6.0. They both work great except for the right frame which is the initial problem.
I would appreciate your help on this issue.
Sincerely,
Douglas