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Contention ratio tells you how many people share your line. If it is 50:1, it means there are 49 users along with you on the line.
Yes, a few packages come with 1:1 contention ratio, it is so expensive that it makes me wonder who on earth will be using such a premier pacakge.
I think 20:1 is decent contention ratio however the home broadband connections usually come with 50:1 ratio. Recently, all ISPs also do some kind of traffic shaping so that heavy users do not take away all the bandwidth.
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