You're both right. Users aren't reluctant to scroll if they believe there is something they want to see. However, most pages are designed so that all of the r

You're both right. Users aren't reluctant to scroll if they believe there is something they want to see. However, most pages are designed so that all of the relevant stuff is above the fold. Most of the time, you just don't need to scroll down, because the page is set up to have the most relevant things above the fold, and the least relevant things below.