This problem got me interested in the technical/engineering basics of what is going on. I have started to study Microsoft's Windows Internals book. Good thing I'm retired: my curiosity eats up a LOT of time...
phred
I figured it out and got it fixed!! I found a program from Intel that checked my network connection and drivers and used it to update my driver. I'm getting download speeds from around 3.6 Mb up to 5.0 Mb.