There are a few other possibilities that come to mind.
How much RAM is in your system? And if you know, what kind? If you have less then 256 megs (512 is better), it may be having to access the hard drive more often to page files, which can slow down performance. This is a problem in a game like Guild Wars, because so many files are needed by the game. And if is slower RAM (PC-100/133), this can also cause problems.
Also if you do not have enough free space on your hard drive, this can cause slowdowns. Make sure at least 20% of the drive is available, to make for speedier paging.
Lastly, do a scan for spyware. This can often suck up huge amounts of RAM.
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