sparky's post in I am confused. was marked as the answer
10 mb file took me 1.32 mins to download, which would indicate a speed of around just under 1 Mbps. this result from Florida.
SpeakEasy is showing 5.18 Mbps. this result from Washington DC.
Time Warner is showing 5.29 Mbps. this result from Ohio.
SpeedOf.me is showing 1.41 Mbps. this result from Chicago.
Xfinity is showing 6.36 Mbps, this test from Washington DC.
TM.Net is showing 1.3 Mbps, this test from Washington DC.
So interestingly enough, it would seem like the providers are all tapping their numbers!
This test answered my question...... confusion is over.