bName = navigator.appName;
bVer = parseInt(navigator.appVersion); 
if      (bName == "Netscape" && bVer >= 5) ver = "n5";
else if (bName == "Netscape" && bVer == 4) ver = "n4";
else if (bName == "Netscape" && bVer == 3) ver = "n3";
else if (bName == "Netscape" && bVer == 2) ver = "n2";
else if (bName == "Microsoft Internet Explorer" && bVer >= 2) ver = "ie";
if (ver == "n5") 
{document.write('<FRAMESET ROWS = "31, *" frameborder="NO" border="0" framespacing="0">' +
                '<FRAME NAME = "MCtop" SRC = "PAGBnet/pagbnet_bar.htm" scrolling="NO" noresize>' +
                '<FRAME NAME = "MCmain" SRC = "'+subpage+'">' +
                '</FRAMESET>');
}
if (ver == "n4") 
{document.write('<FRAMESET ROWS = "37, *" frameborder="NO" border="0" framespacing="0">' +
                '<FRAME NAME = "MCtop" SRC = "PAGBnet/pagbnet_bar.htm" scrolling="NO" noresize>' +
                '<FRAME NAME = "MCmain" SRC = "'+subpage+'">' +
                '</FRAMESET>');
}
if (ver == "n3") 
{document.write('<FRAMESET ROWS = "37, *" frameborder="NO" border="0" framespacing="0">' +
                '<FRAME NAME = "MCtop" SRC = "PAGBnet/pagbnet_bar.htm" scrolling="NO" noresize>' +
                '<FRAME NAME = "MCmain" SRC = "'+subpage+'">' +
                '</FRAMESET>');
}
if (ver == "n2") 
{document.write('<FRAMESET ROWS = "40, *" frameborder="NO" border="0" framespacing="0">' +
                '<FRAME NAME = "MCtop" SRC = "PAGBnet/pagbnet_bar.htm" scrolling="NO" noresize>' +
                '<FRAME NAME = "MCmain" SRC = "'+subpage+'">' +
                '</FRAMESET>');
}
if (ver == "ie") 
{document.write('<FRAMESET ROWS = "31, *" frameborder="NO" border="0" framespacing="0">' +
                '<FRAME NAME = "MCtop" SRC = "PAGBnet/pagbnet_bar.htm" scrolling="NO" noresize>' +
                '<FRAME NAME = "MCmain" SRC = "'+subpage+'">' +
                '</FRAMESET>');
}