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It's probably the congestion of the number of people sharing that link to the net. (Or the upstream ISP overselling T1s and causing congestion before the net ever gets to you; it happens.) You have a fast link back to the router that connects you to the internet at large, but how many other people have that fast link? (More to the point, how many of them are doing P2P? That can suck all the bandwidth you've got.)
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