Apparently, the same "efficiency" expert who told credit card companies they could handle millions of telephone calls with a four-person call center also told them that the longer it takes for a dialup user to load their websites, the better it is for business. Research company Keynote reports that it took surfers with dialup connections on average 35 seconds to load leading banks' websites, reports MediaPost. The research also found that credit card sites are much less friendly to consumers than other financial sites. Some pages, such as the credit card account summary page, had an average wait of 45 to 50 seconds for dialup; the delay at one site was longer than two-and-a-half minutes. Around 40 percent of U.S. online users connecting from home likely use dialup.