Consistent Nav bar using OBJECT

[wsouthwood]

I'm redesigning a website and I want to keep the same Nav on each page and avoid using frames so what I did was create a nav.html file and on each page include:

<OBJECT data="nav.html" width="100%" height=190>
Go to the <A href="nav.html">table of contents</A>
</OBJECT>

This acts as a frame and the only problem is that when I click on the link the page i want to goto opens in the top, and the "Main" area of the site stays the same. How do I make it so the main area of the site changes and not just the navigation part?

*EDIT: Essentially what I want to do is make a global navigation bar and have a simple include on each page so if I change nav.html then the navigation will change for each page. SSI is an option, but is there anyways to do it using stritly CSS? Once again, I'm trying to completely avoid frames and i-frames*