How do you construct a 1-hour ceiling/floor assembly?

I have found assemblies to use, but I can't figure out how to install doors and windows in the wall.

To be specific... I am designing a duplex with one unit upstairs, and the other unit down. So instead of a fire wall (easy to do) I have to do a floor/ceiling assembly. Since the sheetrock on the underside of the assembly has to be continuous, the walls holding up the floor also have to have a 1-hour fire rating.

The problem is... I need to install doors and windows in the exterior walls.

How can I do that, while maintaining the fire rating? The owners don't want windows and doors with metal wiring in the glass.

I see apartments all the time with regular doors and windows, so I know THOSE structures meet fire code. How are they accomplishing this?

Thanks!