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actually, if you want to keep people out of the network, you have to set it to secure mode AND use a password. it's been proven both password or encrypted alone can be broken, but together they are thus far inpenetrable.
it also reduces your bandwidth when in secure/encrypted, but you most likely won't notice unless you're using a bunch of stuff at once (multiple machines)
also not that the speed is the TOTAL speed for all connections, not each connection.
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