There are a couple factors in play here, first is the speed of your connection to the ASP servers at CU*Answers and how much available bandwidth your connection has. Secondly, how large the document you are requesting is will have an effect on retrieval speeds. For example if it is a small document like a receipt  you can expect to wait less than 15 seconds for the system to respond.  However if it is say a loan form containing many pages you can expect to wait longer say as much as a minute or two.