Sylvia,
Doug Robbins is correct, the solution is at
http://word.mvps.org/FAQs/AppErrors/BlankDocNotBlank.htm. I just want to add
a small modification and the reasoning behind this.
The modification is that you need to change the file "Normal.dotm" rather
than "Normal.dot". This is a difference between Word 2007 and previous
versions. You should be able to find and open that file with the Open dialog
(Ctrl+O) by clicking the Trusted Templates icon on the left side of the
dialog.
The frame is paragraph formatting, and it has accidentally become applied to
the empty paragraph mark in your Normal.dotm template. The fix is to remove
the formatting from that template.