Flash , swf files can load very quickly if the design of the page is done totally in vector animation. All of the artwork must be drawn using the flash tools. Flash files become very large when graphics are imported, or fancy artwork is imported as a large file. I have desgined several pages that load just as fast as an html. In fact my newest page loads in 1-2 sec...check it out if you do not believe it. Flash design is "freedom".
http://www.maverickimageusa.com/swf/z.swf
This is a demo page, I am still working on the text and additional information. It does represent the fast load time.