1. In a client computer system, having a processor and a memory, that, in response to user interaction with the system, requests items of information, as desired by a user, from a server, wherein the client computer or a connection between the client computer exhibits a first period of high utilization followed by a second period of low utilization, a method of obtaining the items of information comprising: (A) accessing, in response to a request from the user, a first item of information from the server and rendering the first item so accessed to the user; and (B) while the first item is being so rendered: (B1) determining, in response to both a predefined aspect of the first item and a predefined user model, a set of items of information which the user is likely to request next from corresponding servers, wherein the determining step comprises: (B1a) generating a corresponding transition probability estimate for each one of a plurality of items in said set; (B1b) ascertaining a corresponding flux value, representing a rate of refinement in utility to the user with increased time, for each one of the items in said set; and (B1c) producing, in response said corresponding probability estimate and said corresponding flux value, a value for a flux-product for said each one of the items in said set so as to form a plurality of flux-product values; (B2) prefetching ones of the items in said set from the corresponding servers and in descending order of their corresponding flux-product values, wherein the order reflects decreasing expected utility to the user of said ones of the items in the set; and (B3) storing, in the memory, each of said ones of the items, so prefetched, for subsequent access in the event the user were to request any of said ones of the items.