Guyon, Thanks for your answer ... i will explain you why url loading ...
Compan360 isn't really a game but can become a adventure game engine/builder using IRL 360? panorama scenes. 360? panorama bitmaps can't be all preload at start because you can't preload the world !, it will take to much time, disk space and pc ram to do that ... keep mobile in mind. So url loading provide a way to preload only the 3D scenes link with the current one to avoid to much waiting time and memory use. The url method provide also a way to update the project for everyone in real time. I think web apps are really web apps if they use in real time online loading features.
Now i will look your links a go speak again after that ;-p