You can click on this lock for more information about a page's encryption, and it's probably a good idea to check. In Microsoft Internet Explorer, a solid padlock appears at the bottom right of the screen when encryption is in use. It turns out that parts of it were. The problem was sloppy Web design. In this case, my friend was looking at a page designed with frames.
Frames act as containers for several other documents.
In this particular case, the frames around the document were not using SSL, but the page displaying the form did use SSL protocol. The problem is that Netscape Navigator reports security information on the outer frame that calls up all the other documents and ignores the security of the documents displayed in the frame. That's why my friend thought he was browsing an insecure site. The solution is simple, but it's not in the user's hands. For example, you may see this warning even if you view a Web page that uses SSL protocol for everything except one image.