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There's usually a gap between advertised speeds and real-world performance - your router placement, the number of devices connected, background apps, and even the time of day all drag things down. Your ISP might also throttle speeds during peak hours, or there could be issues with your modem or router that need troubleshooting. I'd start by running a speed test from a device wired directly to your modem to rule out wifi problems, then contact your provider if it's consistently way below what your contract promises.
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