Thanks for the Reply CA3LE.... Yeah, for years I have trusted this site, never doubted it but in all honesty, as you mentioned I just never did a true comparison. They are certainly padding numbers, I know from my tests. I know how to work out if I download a 10 Mb file, how to figure out what my real speed is.
Never again will I question TM.NET.... Why did I do that in the first place, I know better than that. lol