The fields in this structure must be set before the call is made:
fPointer is set to TRUE if a pointer is being
created, or to FALSE if an icon is being created.
xHotSpot yHotSpot are set to the relative
position in the icon or pointer that is associated with the mouse position.
hbmPointer is a bit map that specifies the
AND and XOR masks, as used for black and white pointers and icons.
hbmColor is a color bit map that describes
the color content of the pointer or icon.
It is
an error if hbmPointer is NULLHANDLE. Also, the width of hbmPointer
must be the same as that of hbmColor and the height of hbmPointer
must be double that of hbmColor (to allow for both the AND and
the XOR mask).