How does cross domain apply to iframes loaded using the file protocol?

How does cross domain apply to iframes loaded using the file protocol?

I am doing some very basic html stuff by opening the file on the file system and editing it.  Then I open the file using the browser to view it.  I am getting some " Error: Permission denied to access property 'ownerDocument'" messages when trying to access the iframe.  So I am not sure if I am just trying to access the iframe wrong, or if because I am using the file protocol and there are some permission issues.

Here is the html I am working with:

<html>
<head>
    <meta http-equiv="Content-Type" content="text/html; charset=UTF-8">
    <title></title>
    <script type="text/javascript" src="../org.jquery/jquery-js/jquery.js"></script>
    <script type="text/javascript" src="../com.beebole.pure/pure-js/pure.js"></script>
</head>
<body>
    <div>outer</div>
    <div id="inner-content">inner</div>
    <iframe id="account" name="account" sandbox="allow-same-origin" seamless src="../account/account.html"></iframe>
    <script >
        $(document).ready(function(){
            $('#account').ready(function () {alert('test')});
            var frameHtml = $('#account').contents().find('span')
            //.text();
            $('#inner-content').html(frameHtml);
        });
    </script>
</body>
</html>

The error comes as the result of the find function invocation.  What I want to do is pull the html out of the iframe and add it into the inner-content div.  I also wanted to avoid running the javascript twice so I put it into the html5 sandbox.  Removing the sandox did not make the error go away.