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If you try a few different test servers, including some of the third-party ones that also use our Java test applet, then the highest speed reported is closest to your last mile speed.
Don't forget that protocol overhead will mean that you never reach the actual speed advertised by your ISP. In some cases, especially PPPoE connections, you can lose almost 15% of advertised speed in protocol overhead.
In response to this problem, certain ISPs have set the actual sync rate of consumer broadband connections higher to provide a buffer against the overhead. The idea is a 15% up in advertised speed is worth less people calling into support and complain about lack of advertised throughput.