Banks must hire among the most inept IT people of any industry. Every time I log into PNC, I literally switch tabs and try and "do something else" for at least a minute, because that's how long it takes their Virtual Wallet bullshit to load. At least, that's what the site says it's doing. Loading. Only they have "HTML5" emblazoned in huge letters on the page, for some unknown reason, which inevitably makes me wonder what the fuck is taking so long then. Let me guess, your SOAP requests are 3 miles long. Uphill. Through the snow.