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95 percentile basically is:
Ok, take your highest amount of b/w used at any 5 min interval... (Your PEAK... or the highest "mountain" on the graph) and multiply that by 0.95.... that will give you your 95 percentile Mbit/sec then you multiply that by some arbitrary number... like 340 (which accounts for how many gigs would be transfered over a 1 Mbit connection over the month)
And there is your bill
I think it sucks actually.... Basically i'm paying for much more b/w than i'm using...
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