A good deal of it is just ebay, I am there a lot, I hit confirm with 10 seconds to go, and it hangs, then says Sorry, Game Over! Their clock and end time do not match. Real ebayers have a stop watch. Bid snipe works sometimes, but beware, someday several will battle, and I have seen things go for many times their value in the last few seconds.
Some was at my end, a second hard drive, moving everything that would move, but the older Windows gets the larger it grows, Gigs of something that is untraceable.
When it is important, read shiny, I shut down, reboot, and it works great for a short while. Long enough for one on time bid, but soon drifts. Message routing via Internet varies, sometimes I catch the express, other times the local, with stops in several servers, routers, a scan from Homeland Security, something, and we are nowhere near the speed of light. Reboot seems to put me on the express, a fresh link.
My debit card takes five seconds to one and a half minutes to clear. All ot these systems are mush.
You can ask the cards, Morgan is a good deck. I know computer tricks, PM for one check at a time, instructions are useless. Doing is the path to computer control.