What's really annoying is the pages where the background image stays fixed as you scroll down (and text starts to scroll up over the background image). Sometimes I believe I'm at the bottom of the page when scrolling appeared to do nothing and I get ready to close the tab before I notice some text had come into view.

Er, I usually notice the text. When I first started seeing some of these, I remember thinking some of them had failed to load when I couldn't scroll, so I guess I don't always notice the text.