how to divide the HTML document into two?

Okay I am doing an HTML project and I totally suck at HTML. Please help me out.
Okay, this is the layout --
I have a header ( a big picture)
and a horizontal ruler to divide it from the rest of the page.
Then I want to display the options to the left and when I click on an option, I want it to be displayed to the right...
How do I do that???
and also, the first option should be default.. like it should be displayed when the page is opened.
and when the other opts are selected, they shud b displayed to the right...
how do I do that?? Please help!! and please avoid using complex tags cuz I am a novice... can u do it using <frame> ??????
 
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