Servers have to be able to deliver those speeds too, even the speed test sites don't all seem to be able to deliver that kind of bandwidth all the time.
I've had sustained at 2.8MB/s which works out to 22.4Mbit, and I've seen it get up to 3 for short spans of a few seconds.
There's also the overhead of the protocols themselves, so knock 5% or more right off the top for that.
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Uncertainty is an uncomfortable position.
But certainty is an absurd one.
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