The frame I mentioned is being added from my domain forwarding, so not actually a wordpress thing. So I have reworked the DNS stuff (according to this site) and now I still see the IP address but the login is working and so is the style sheet, and the frame is gone).
Next I changed the home and siteURL fields to my domain name (it’s now http://www.shayneparkinson.com) and… everythng works.
So the thing I had wrong was the DNS stuff. That was adding a frame to the html and (I think) that was screwing the css and the wp-admin.
I’ll mark this as fixed (& Mrs is happy, it’s her blog, not mine).