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Browsers - just like any other program - depend on RAM. Want faster load times? Not only should you disable toolbars, but disable some of the add-ons like the Adobe Download Manager, unneeded Java Consoles, and other hooks. Also disable startup items like printer toolboxes (HP is (in)famous for these), Updaters (Java, Adobe, etc.) and other startup items. The leaner your system runs, the less task-switching that happens and the more your computer can concentrate on the one program with focus.