sorry, didn't mean to post this it was incomplete...
here is what I was trying to post :
I am a student in web design and I am having an issue with HTML programming for frames.
here is what I am attempting to create:

but here is what I keep coming up with:

Can you knowledgeable people please assist me not necessarily with the answer,but at least guide me in the right direction as to what I need to change so I can obtain the desired result?
Following is my frame code:
<html>
<title>HTML and JavaScript</title>
<frameset border ="9" cols="*,20%" bordercolor=red>
<frame name="upperframe" src="title.html">
<frameset border ="9" rows="20%,*">
<frame name="leftframe" src="navbar.html"bordercolor=blue>
<frame name="rightframe" src="welcome.html">
</frameset>
</html>