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 @49a8afa7 I did find that contention ratio on ADSL lines, but to be honest I've found my fibre always running at full speed. But as my router test showed in my blog post, the fibre line is actually running a bit faster than the contracted speed. The problem seems more on the LAN side, or between the LAN and WAN.. 
 @771c7916 I guess overbooking is much more likely in places where there's a lot of connections per area. If you have to provide a lot of connections in a street full of appartments then either you need expensive routers that can provide multi-gigabits bandwidth on a single fiber, or lay a lot of fibers. Both are expensive options which makes connections expensive. overbooking seems a lot more efficient then, especially if usage is mixed commercial/residential. 
 @49a8afa7 yes, not at all dense by us - it's all flat houses spaced out in a suburban area. The max speed is 500 Mbps for the area, and I think most users are really on 40 or 100 Mbps only. But like I say, my router speed test certainly shows the line is performing at full speed outside my home. If it was a contention ratio issue, I'd expect that figure to be lower and much more inconsistent.