I don't know what you mean by css simulated frames. Any frame or iframe can be given a size so that it shows that size and anything too large inside will create scrollbars. iframes give you an extra set of scrollbars - one set for the iframe, one for the page. Framesets with frames should only give you scrollbars for each frame that needs them, not for the frameset itself.
You can either upload your html and css files here inside [ code]...[ /code] tags (no space after [) or just give a link to your online page.
There is also a way of deleting scrollbars in frames and iframes but I think it controls both, not one or the other; see
http://www.w3.org/TR/html401/present/frames.html
paras 16.2.2 and 16.5
Code downloaded to my PC will be deleted in due course.
WIN7; IE9, Firefox, Opera, Chrome and Safari for Windows; screen resolution usually 1366*768.
Also IE6 on W98 with 800*600 and IE8 on Vista 1440*900.