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The term is sometimes used to contrast broadband providers with private networks, such as in the phrase "public broadband works for regular traffic in our branch offices, but we use private lines for our mission critical business." A Formal Definition In early 2015, the U.S. Federal Communications Commission (FCC) redefined the minimum broadband speed as 25 Mbps download and 3 Mbps upload, updating the FCC's 2010 rating of 4 and 1 Mbps. The term always referred to a higher-speed connection, but the broadband threshold varied with the times (years ago, the widely deployed 1.5 Mbps T1 line was considered broadband speed). However, with the 2015 definition, more than 50 million rural Americans do not have access to broadband speeds. See broadband router, wireless broadband, T1, cable modem and DSL. (2) Transmitting data by modulating a carrier wave in order to differentiate it from other signals in the air or in a wire. For example, frequency division multiplexing (see FDM) is used to carry hundreds of channels digital TV in a single coaxial cable. In this context, broadband is used in contrast with "baseband," which refers to data that have not been modulated or multiplexed (see baseband and TDM). However, in most cases, the term "broadband" means high-speed transmission as in definition #1 above.
While there is a seemingly endless number
of companies issuing auto insurance policies
these days, there are really just two ways to
buy car insurance: You can purchase a
policy in-person through an agent -- a
licensed individual who sells policies on
behalf of one or more insurance companies
-- or you can buy directly from an insurer via
Web site or telephone.Buying car insurance
online still accounts for a relatively small
portion of total auto insurance sales, but it's
increasing in popularity. According to a 2011
survey by the Internet marketing research
company ComScore, just 20 percent of new
auto insurance policies were purchased
online, compared to 43 percent purchased
from an agent. However, the number of
online purchases represents an increase of 5
percent from just two years earlier, while the
number of agent purchases represents a 6
percent decline. Additionally, a 2011 survey
by J.D. Power and Associates showed that
54 percent of new auto insurance owners
applied for a rate quote online, the first time
this has happened for a majority of
respondents [source: Insurance Information
Institute].
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