I did it, I dit it.
used tek-tips.com and got half an answer
found grizzlywebb.com (frame busting) and found the problem is java 1.0 (Netscape) which does things differently to java 1.1 (IE 5.5).
the script I found caters for both and it works live!
another thing I realized is that Netscape is case sensitive in file names but IE is not. I know Iknow I should have tried all combinations but this was on another site and only relatives - who know nothing about HTML so no feedback! any day now I will use the same scipt on cresby.com.
If anyone wants the script I will PM or you can look at the site in a week.