Why does this create a veritcal scrollbar in IE6, IE7 and IE8? How to avoid it?

(I had a real applet in there, but I discovered that this heavily mutilated one gave the same result and helps simplify the test case)

```
<!DOCTYPE HTML PUBLIC "-//W3C//DTD HTML 4.01 Transitional//EN"
    "http://www.w3.org/TR/html4/loose.dtd">
<html>
<head>
    <title>Why vertical scrollbar in IE?</title>

    <style>
        HTML, BODY {
            height: 100%;
        }

        BODY {
            padding:0;
            margin:0;
        }

        /* And yes I can use this, but I'd rather not
        BODY {
            overflow-y: hidden;
        }
        */
    </style>
</head>
<body>
     <APPLET  WIDTH = "100%" HEIGHT = "100%"></APPLET>
</body>
</html>

```

Above also available as <http://www.morch.com/download/ieVerticalScrollbars.html>