tangor - 5:29 am on Nov 10, 2009 (gmt 0)
If your banner is the same each page, don't worry about reloads... browsers will cache that file for the session. The menu is negligible in load time, another no worry. You need not worry about meta tags for the frameset (we're talking real frames, not iframes). Put your meta tags on each of the target pages for the frameset and you're good to go.