What technique have been used to build this site? Layer ? iframe?

http://flash-bucks.com/flash/

Only the center of the this page changes while visitors navigate thru the site. Any iframe used here? If your answer is negative, what technique is used to have this effect? Is it called ' loading layer'? What technique do you recommend to build this kind of page?Why? To me, the most important factors are the loading time of web pages and the size of web materials.

I know CSS is used here. What is the use of CSS for building this kind of page? Is it necessary to learn CSS before building it?

Thank you in advance!

 

 

 

 

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