My SDSL modem can handle 1.1M/1.1M; however, I can pay for either 768K/384K or 384K/128K, so basically I'm paying for bandwidth.

But this is much better than the T-W way:
1. I know what my bill will be (no surprises)
2. My local ISP does a very good job of allocating bandwidth so that the bandwidth I pay for is available

Tony