There are all kinds of threads and links on the internet, and this seems to be a contentious issue butI don't know why. 95th percentile is either a good deal for some or a big rip off for others, Ijust said it there :) But the reality is that for MOST people who transfer low amounts of data but burst to higher speeds such as 40mbit+ even for short periods of time, then you'll pay a lot of money to do that. Basically 95th percentile is an-old archaic method........