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Inall reality it peaks at about 75% of that depending on the use of hubs or switches.
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That's not totally correct. Traffic can reach as much as 95% of actual data throughput depending on how the network is set up. It's not uncommon for me to get consistent 1,450 Kb/sec transfer rate over my 1,500 Mb DSL connection.
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DSL ranges from 256 Kb (Kilo (thousand) bits) to 3 Mb (Mega (million) bits).
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Actually, that's not true. If I want to pay the monthly fee, I could get 7.1 Mb to my house because I live less than 5,000 feet from the local CO. 7.1 Mb is provided by two carriers in this area.
I believe that Germany has just come up with a new DSL speed, something like 15 Mb/sec, but you have to live within 1,500 feet of the CO.
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Depends on what you pay, but yes it is far behind.
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Define "far behind". DSL has its benefits and drawbacks, but so does cable. When you look at the cable Internet copanies in general, they are far more draconian is terms of what you can do with your connection and how much you can transfer in a month than DSL companies are.