Well let me clarify this.
My current line is rated at 512/512, which in kBs is 64/64.
The real transfer speed at maximum is 53,2kBs.
Ooops! My original calculation is very wrong
This is the correct calculation ->
Real speed divided by theoretical speed
In my case, 53,2/64=0,83, 83% of the theoretical speed is used.
And that's 17% overhead, not 9,6 like I originally claimed.
-M
//edited the calculation.. I just can't seem to get it right