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If your speed took that much of a tumble you must've hit your internet bandwidth cap which they throttle your speed to almost dial speed until usually the next month.
Other possible reasons for it could be a load of spyware and junk is clogging up your computer. (This is very much a possiblity if you are using a USB modem rather than a Ethernet Modem) As the USB modems rely on your computers resources and if your computer is heaily bogged down your connection will go down with it.
If you're running a shared connection someone may be downloading thus bogging down your connection too
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