toolbar on mdi frame window

How do you place a toolbar window on a MDI frame window and prevent the MDIClient window from covering up the toolbar?

Initially I tried handling the main frame's WM_SIZE message, and using SetWindowPos to move the MDIClient window into the appropriate position to compensate for the toolbar. While this works, I can't help but feel it's not the right way. Also, using the afore mentioned method, sometimes the toolbar does not paint correctly and the MDIClient can be seen on its' background.

In VB, when you place a toolbar control (or any other Alignable control) on a MDIForm, it automatically adjusts the MDIClient accordingly. This method does not appear to be using any subclassing either (at least not according to Spy++). Is this some kind of OLE thing?

Any help would be appreciated.

BTW- I am not using any MFC

I think you somehow have to tell the MDIClient that the usable size of your frame has changed.