the estimates given are always on the optimum time you can hope to have...
general calculation is along the lines of,
(BPS/FILESIZE*8)/60=TIME IN SECONDS
this will oftenly be more than the estimation simply because more often than not connection will waver to less, mainly due to CPU commitments on your system not being enough to handle your current connection - although this doesn't apply to Hardware Modems, more and more people use Broadband now which isn't Hardware controlled but Software leaving everyone to have high CPU demands again.
and you individual ADSL setup won't be taken into account when calculating speeds ... i have one friend on AT&T who has a single 3Mbit line and another on Netzero who has 4x128kbit (512kb) lines - different companies have different mandates and technology.
the TGC server is quicker than most i've tried recently with no cap rate on how fast you can download, the server itself is probably on a multiple OC connection because it took me 12seconds to get both the demo & updates.
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try to remember everything conserning time no matter what your doing is really just an optimistic estimation - you calculate everything on the fastest it can technically go, from that you get the estimate. Even a 350Mbit OC line can have days when it downloads at 2.5kb/s or less ... just depends on if there is a hop system that is slowing everything, because very few connections will ever be peer-to-peer on the net. Therein lies the problem that you could lag even though your connection is fine and TGCs might be fine - but one hop in the centre is being fussy can kill the entire connection speed.