Why do loading bars always lag near the end? When loading a web page, the loading bar will make it 98% of the way in a second or two, then it stalls loading the last few percent.  This is common for other computer tasks like updates and deleting the trash. 

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Is the loading bar or "% complete" bar accurate and there is a step at the end of these tasks that happens to take longer? Or is the loading bar a misrepresentation of the task completion and just displayed to show the user something the computer is working?