What happens during the "Loading Your Personal Settings" and "Applying Your Personal Settings"?

Does anybody know exactly what's happening during the "Loading Your Personal Settings" and "Applying Your Personal Settings" stages? This applies to Windows XP Pro. Any idea where I can find technical reading material on the log on process?

Guess I'll start here:
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It's when your ntuser.dat / profile are loaded and applied respectively.  If any files are missing they are recreated / first run processes are checked via reg keys stored under user profiles.  Is there anything specific your looking for in this question?  It is quite broad, and I don;t want to link you back to the same article you posted in the question as that seems to be the answer you are looking for.
KJS69Author Commented:
After reading forums and many tech articles, still trying to figure out why "Applying your personal settings" takes two minutes per user, per workstation, so... I thought I should find out specifically what happens during these two stages.
KJS69Author Commented:
According to this website, http://blogs.technet.com/richard_macdonald/archive/2007/03/26/706879.aspx

"Loading your personal settings..." load the user's profile.

"Applying your personal settings..." processes and applies any Group Policies specific to this user.

I think I'll try enabling verbose logging on a test workstation to see if it provides any helpful info.

How to enable verbose startup, shutdown, logon, and logoff status Messages in the Windows Server 2003 family:
DonNetwork AdministratorCommented:
this should help you with slow logon
Under Computer Configuration-->Administrative Templates-->System-->Logon, change "Always wait for the network at computer startup and logon" to ENABLED.
KJS69Author Commented:
Turns out the slow log on issue had to do with three poorly ordered DNS entries on client's TCP/IP Properties. Our inside DNS server's entry ( was at the bottom of the DNS entries list when it should have been wither first or simply by itself.
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