You still haven't answered or conceded my question: is the online API too much latency? You only need to check it when changing a password or registering a new

You still haven't answered or conceded my question: is the online API too much latency? You only need to check it when changing a password or registering a new account, not when validating a password. The world has decided that making me go through a Google CAPTCHA when registering a new account - a process that takes me several seconds of active mental effort - is fine. If the check takes even 1 second of server time, is that noticeable?