Div with scrollbars (Dynamic Scrollbar/ DHTML scrollbars): http://jsfiddle.net/gaby/Bek9L/186/
background image repeat:   http://www.w3schools.com/cssref/pr_background-repeat.asp
background image position: http://www.hscripts.com/tutorials/css/backp5.php
html layout with div: http://www.w3schools.com/html/html_layout.asp
Left List 1
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Left List 2
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Left List 3
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Right Panel