Thanks to Rob Crombie.

Normally when you change a Frame control's BackColor property, the part of the control above the upper line sticks up and looks ugly. This routine covers that area with a Shape control that has the same color as the parent form, effectively hiding that area.

Public Sub HideTheUglyTopOfFrame(cFrame As Frame, cShape As _
    Shape, Optional FillColor As Long = -1)
    'Sorry, but I must set the frame's Font (as it affects
    ' the size of the area above the top border)
    cFrame.Font = "MS Sans Serif"
    cFrame.FontBold = False
    cFrame.FontSize = 8
    cFrame.Caption = ""   'Place your own descriptive Label
        ' within the Frame, instead.
    
    With cShape
        .BackStyle = 1   'Opaque
        .BorderStyle = 0 'Transparent
        .Height = 105
        .Left = 0
        .Top = 0
        .Width = cFrame.Width + 300  'To avoid slight lack
            ' of (right) coverage on larger frames.
        If FillColor = -1 Then
            .BackColor = cFrame.Parent.BackColor
        Else
            'Caller must have the frame in non Form
            ' container, and has passed me it's backcolor
            .BackColor = FillColor
        End If
    End With
End Sub