It is a good idea to have an index file in every directory since it is the one that is loaded when a URL cites just a directory name. The server will follow symbolic links. For example, I have a common directory of icons that are linked to directories as required. My personal convention is to name the master file in directory mydir as mydir.html . Then I symbolically link it to index.html .
Frames Use frames sparingly.
A good use, for example, is to have a frame that provide a contents list for the main pages that are listed in a separate frame. There is some controversy over the legality of GIF images due to patent infringement. I personally avoid PS, TIFF and XBM for web pages. PNG is increasingly popular. This is a nasty problem.