I have a pretty fast processor etc, but my programs seem to take a little too long to load. I want them to be almost instant. Also when browsing webpages, sometimes they load slowly. So...if I were to upgrade, where should I focus my upgrade money if I only care about the 2 things above? The fastest cpu? Ram? Is it hard drive speed? Hard drive type? Hard drive cache amount? Motherboard bus speed? Does it matter intel or amd? What are your thoughts?