# how can I create faces from a mesh that has gaps? without creating overlapping faces?

I have the following sets of edges and vertices. I'm trying to create a face out of the outer square, while leaving the 2 inner rectangles without a face. If I press F, I'm getting a double face that is overlapping the square and the rectangles.

Go into edit mode, choose vertex edit, and select all 6 bottom vertices and press F. Same for the top. Then connect the left, center, and right.