I just encounterd this problem last night. I was done doing all my online stuff so I closed up Safari, iChat, Mail - all that online stuff - and decided to move off the couch. I unplugged the phone cord and then this happend... My iBook kept trying to dial. To the point where I got the rainbow colored beach ball and I couldn't do anything. I would hit disconnect and such and after about 2 minutes it would finally catch up. Could this have something to do with me having iDisk "opened".... possibly my computer is trying to connect to .mac all the time?