Of all the things mentioned, I'd add that most designers seem still to design for broadband. I know the bulk of the users of the site I've just lost responsibility for, are using dial-up, and usually, do not have a separate phone line for internet access. For that reason, I have kept the design spare to the extreme. Sadly, this isn't under consideration now. Focus groups are great, but they are looking at how it looks, not how it will act when they get home to their (maybe) 52K modem and (maybe) Pentium, or Pentium II machine with a cheap graphics card. If it takes 5 minutes to display the home page, you've lost them already. I've seen some sites that take this into account, and default to text-only (or nearly so) and allow a user to choose a higher-bandwidth option. I've also seen sites that default to high-, but offer low-. Unfortunately, it takes forever for the option for low- to display. When we talk tech, it seems to me the greatest error we can make is assuming everyone has our firepower. I guess, my lesson for the 00's is that some people are still in the 90's. (And my consumer base is rural Iowa, parts of which are not that far along, either.)