Ta guys. This from > ozspeedtest.com/ >
kbps: 410.8
KB/s: 51.35
Mbps: 0.401171875
Sorry. I misread the details. Should have been, Speed = 100mbps. This is from my 'local area connection', status box.
Still, it's a lot quicker than d/u.
Thanks for your replies & links.

Regards, L.

ps. got 2 line filters off Optus.

pps. Went to 'testmy.net'. Only got 44%.
How do you get more?