lol well I usually have the index.php as the only html structured coded page on a site.
It contains the menu and headers and footers (banners and copyright notices).
Then the rest of the pages are made in text files.
home.txt
about.txt
contact.txt
links.txt
Using html where appropriate in the text files but not to structure it. The index.php file will handle that.
http://www.m3-computers.com/test/itskills/index.php?page=main.txt is an example. Bare in mind its now an old defunct page that im no longer developing and may display oddly in firefox, so fire up IE to browse it
No iframes are used in it at all. Just the one index.php file, loading the text files into it. if you take the text file names at the end of the url, you can load them up and have a look at the contents.