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Internet Access

The purpose of this document is to present information regarding Internet access to our agency partners. We will focus on three technologies available today for Internet access: ISDN, ADSL and Digital Cable Modems.

Digital technology enables transmission of data over existing copper or coax lines at data rates several hundreds times faster than today's analog modems.


Situation Analysis
With the move toward a full Internet based business solution our agency partners are faced with the challenge of upgrading their systems to meet the demands of the Internet. Today's analog modems are not capable of providing speeds commonly found in today's digital technology.

Many agencies have indicated that providing minimum hardware requirements for current business solutions is a near sighted alternative and does not provide information that will allow optimum performance today and in the future. Upgrading to digital technology for Internet access should be viewed as a cost of doing business and a competitive advantage.

Note: This document is not a recommendation on the type of technology that is best for your business. It's a general description of the types of technology that might be available to you and a summary of the advantages and disadvantages of these types of technology. You must evaluate the costs associated with each type of technology and assess for yourself the type that will allow you to conduct business efficiently with Deerbrook Insurance Company, based on the volume of business you place with Deerbrook.



ISDN

ISDN stands for Integrated Services Digital Network. There are several types of ISDN service, but the most appropriate type for individual computer users or small business is the ISDN Basic Rate Interface. (BRI)


How it works
Basic Rate ISDN divides your existing telephone line into 3 digital channels: 2 "B" channels and one "D" channel, each of which can be used simultaneously. The "B" channels are used to transmit data at rates of 64K or 56K depending on your telephone company. The "D" channel does the administrative work, such as setting up and tearing down the call and communicating with the telephone network.

Some telephone companies offer what is called "ISDN anywhere", which means if you order ISDN they will find a way to get it to you. In cases where the phone company does not have the right equipment in the local office that serves you they can use "Line Extension" technology to serve you from another exchange. The use of line extensions may significantly increase the cost.

Assuming you can get ISDN, the next question is pricing. ISDN rates are known as tariffs, these vary by phone company. Pricing generally has three components:

 Installation charge, a one time charge to have the service installed. Part of this charge may be waived if you commit to keep the service for a period of time.

 Monthly charge - this is a recurring monthly charge

 Usage Charge - this is a charge associated with the use of the ISDN line. Typically it is not more than a few cents per minute. The monthly charge may include a certain number of hours of free usage each month.


Benefits of ISDN

 ISDN uses existing copper telephone lines that are already installed in your home or office.

 ISDN can operate at speeds up to 128 Kilobits/second

 ISDN is available in most areas

Limitations of ISDN

 Usage Charge (per minute fee)

 Dial-up connection (not always on)

 Smaller bandwidth (slower) than other digital services


Internal and External ISDN Adapters
Internal ISDN adapters can take the fullest advantage of your ISDN line. Internal adapters require you to open your PC and install the card. Look for ISDN adapters with the Windows 95® logo or above. These support plug and play, Windows 95 and above will automatically detect and configure the adapter for you.


External ISDN
External ISDN adapters are easy to install and do not require special software, but they do not provide the same level of performance that the internal adapters do. External adapters look just like a modem (some manufactures call them ISDN modems). Communication programs control the external adapters just like they control an analog modem. External adapters plug into your PCs serial or parallel ports. There are certain limitations imposed on these ports. Most PC serial ports will not transmit information faster than 115 Kbps which is less than the maximum ISDN data speed of 128 Kbps. Serial ports impose overhead on the transfer of information from the port to the external adapter slowing down the transfer rate. To use external ISDN adapters it is recommended you have a 486/33 PC or faster.

ISDN lines can also be connected to a LAN so all PCs on the LAN can share the line, this requires a network bridge or router.


Hardware Requirements for ISDN
(Assumes PCs are connected to a LAN)

 486/33 or better
 Windows 3.1, 95/98, NT
 16MB RAM
 125 MB Disk Space
 ISDN Adapter (modem)
 Ethernet Card
 Router
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ADSL

ADSL stands for Asymmetric Digital Subscriber Line. ADSL is a modem technology that transforms phone lines into high speed digital lines for fast Internet access.


How it works
ADSL modems use digital coding techniques to "turbo charge" phone lines, results are up to 90% faster than non ADSL modems. ADSL provides speeds up to 8Mbps downstream (to the user) and up to 1Mbps upstream (from the user), depending upon the line length and line conditions. This type of speed fits well with information received from the Internet.


Benefits of ADSL

 Simultaneous Internet and voice/fax capabilities over existing phone lines
 Fast Internet connection
 Full time "always on" connection


Limitations of ADSL

 Distance limitation (you must be roughly 18,000 cable ft from the phone company)
 Availability (not available in all areas)
 Initial set up, modem and monthly fees vary across regions (as much as 50%)


Hardware Requirements for ADSL (Assumes PCs are connected to a LAN)

 486 or better (Pentium recommended)
 Windows 3.1 95/98/ NT
 8MB RAM and 25 MB hard disk space
 DSL Modem
 Ethernet Card
 Router
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Cable Modems

A cable modem is a device that hooks up to your computer and gives you high speed Internet access through your cable TV network instead of through your telephone line. Cable modems enable data connections at very high speeds, receiving data up to 10 Mbps and sending data up to 2 Mbps (some up to 10Mbps)


Benefits of Cable modems

 Very high transmission speeds
 Lines are always open (no dialing in)
 Multiple users on a single coax connection

Limitations of Cable Modems
 Availability (contact your local cable company)
 Shared bandwidth, performance may vary depending on location

Contact your local cable company for availability. When you sign up for cable modem service an installer will install a card in to your computer (10BaseT ethernet) that will split the coax cable (so you can watch TV and surf the Internet at the same time). The installer will also install your cable modem to your PC.


Hardware Requirements for Cable Modems
(assumes PCs are connected to a LAN)

 486 PC, (Pentium recommended)
 Windows 3.1, 95/98, NT
 16MB RAM
 125 MB Disk Space
 Ethernet Card
 Router
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What is the difference between ISDN and ADSL?
ISDN provides two voice channels or a 128Kbps data channel while ADSL is predominantly a data channel providing an asymmetrical bandwidth of up to 8 Mbps downstream and 1 Mbps upstream under good conditions. ISDN has a usage (per minute) fee, ADSL does not. Distance limitations can be solved with ISDN, ADSL has strict distance limits.


What is the difference between ADSL and Cable modems?
ADSL provides a dedicated service over a single telephone line; cable modems offer a dedicated service over a shared media. Cable modems have a greater downstream bandwidth (up to 30 Mbps), however the bandwidth is shared among all users on the loop, therefore as more users go online (join the loop) the performance may vary (perhaps dramatically).


What is the difference between ADSL , ISDN and Analog modems?
Today's analog modem lines routinely offer 28.8 Kbps to 33.6 Kbps and in a few instances up to 56Kbps. 56K Kbps is probably the practical limit for analog modems. ISDN can increase this to 128Kbps, ADSL between 144Kbps - 8Mbps. ADSL in not available in all areas, ISDN has been around for several years and is more widely available, analog modems are available in all areas. ADSL is not well suited for video conferencing due to large amount of data flowing in both directions.

Type Strengths Weaknesses Bandwidth Pricing Elements
ISDN High speed, very reliable, available in most areas Tariff charges, can be complicated to install, requires dial-up to connect 64Kbps to 128Kbps Installation charge, Monthly charge,
Usage charge
ADSL Very high speed, dedicated always on Availability, distance limitations 256Kbps to 8Mbps Installation charge, Monthly charge
Cable Modems Very high speed, moderately priced. Shared media, not widely available for small business Up to 3Kbps in most areas Installation charge, Monthly charge
Analog Modems Wide availability Limited bandwidth 19.2-56.6 Kbps Monthly charge


Questions to ask your service provider:
Ask the DSL provider if its line will have a dial tone or is data only. Baby Bells offer voice and data (and more options in the future).

Who does the configuring? Ask the provider if its installers will configure your system for access and test it before leaving. If not, ask it to send your configuration information before the line installers arrive.

Who handles support? If services are provided by separate partners, make sure you have technical support contacts for both your ISP and your line provider before installation.

Does it work with my ISP? Check with your Internet Service Provider and ask if they support DSL.


Glossary of terms

ISDN:
Integrated Services Digital Network

ADSL:
Asymmetric Digital Subscriber Line

Asymmetric Digital Subscriber:
A method of data communication in which the transmission of bits of data isn't synchronized by clock speed, but is accomplished by sending the bits one after the other, with a start bit and a stop bit to mark the beginning and end of each data unit.

Transmissions speeds are most often measured in bits per second (b/s or bps). Commonly used abbreviations are:

Kb/s or Kbps
(Kilobits per second): Thousand bits per second

Mb/s or Mbps
(Megabits per second): Million bits per second

Gb/s or Gbps
(Gigabits per second): Billion bits per second

Bandwidth:
A frequency measurement expressed in cycles per second, the amount of information that can flow through a channel.

Downstream:
Data sent from the host (Internet) to the user.

Upstream:
Data sent from the user to the host.

Router:
An electronic device that examines each packet of data it receives and then decides which way to send it onward toward its destination.


Summary
One thing is certain, if you're not conducting business over the Internet you soon will be. Our future business model is based on the Internet and is compatible with today's digital technology.

How you and your company access the Internet will be up to you. This document presents an overview of digital internet access vs. analog access methods.


When choosing a digital service provider ask yourself the following questions:

 How many workstations need Internet access?
 What speeds (bandwidth) are appropriate for my business?
 Will I send large files across the internet or receive them? or both?
 How much can I afford?
Most service providers offer plug and play packages that include everything you need, i.e. installation, service, routers, adapters, modems and lines. As a general rule most metropolitan agencies will have no problem finding a digital service to fit their needs. Rural agencies will find limitations due to their location and will have fewer choices.

The best source for information on digital services in your area is your local phone company or service provider.


Good, better, best ratings for personal computers accessing the Internet

GOOD Configuration for Internet Access

 CPU running Windows 95 at 75 MHz
 16 MB of random access memory (RAM)
 33.6K Modem
 14" Monitor
 500 MB Hard Drive
BETTER Configuration for Internet Access
 CPU running Windows 98 at 366 MHz
 64 MB of random access memory (RAM)
 56K / V.90 Modem
 15" Monitor
 4.3 GB Hard Drive
 40X CD-ROM Drive
BEST Configuration for Internet Access
 CPU running Windows 98 at 600 MHz
 128 MB of random access memory (RAM)
 56K / V.90 Modem
 17" Monitor
 20.4 GB Hard Drive
 8X DVD-ROM Drive
As a general rule of thumb, it is safe to say that you can never have too much RAM, too big a monitor, too fast a processor or too big a hard drive.


Source: IIAA Agents Council for Technology

 
 

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