Once we get the Netware login screen, fill in the info, and click OK, we get
a brief (a few seconds) delay. We then see Windows XP displaying:

Applying your personal settings

at which point I see no disk activity on either the local machine, the
Windoze domain controller server, or any of the Netware servers. Once that
disappears, I get the Netware results window.

Is anything that's happening during "Applying your personal settings"
related to Netware, and what in general is going on during that time.
That's what's making our logins slow sometimes, but not always.

C32 491, late beta of SP3 but this has been behaving this way for a long
time. All servers are NW65/SP5/UPD1, all w/s are XP/Pro w/ all the latest