since some browsers use the embed tag and others the object tag its best to just use them both like this
This is thte way we were taught to display swf's to make sure they display in every browser, i just copy n paste the source from one of my projects i had to do some time ago, heres the link so you can instantly check wether its working or not the way you want it:
6,0,40,0" width="90" height="20">
<param name="movie" value="Resources/swfs/welcome.swf">
<param name="quality" value="high">
<param name="play" value="true">
<embed src="Resources/swfs/home_button.swf" quality="high" width="90" height="20"
I'd also advise you not to use frames, actually because of numerous reasons but imo the most important one : bookmarking, when now someones wants to bookmark a page he will just bookmark one of the frames, if lucky he' ll bookmark the right frame and still end up on the correct page but still...
And its not too much extra work to drop the frames once you have the layout of the site it'll come down to a couple more ctrl-a, ctrl-c and ctrl-v's