A clean line - in the perfect case will be from the cabinet to you without any joints. The system will know your approximate line length and will base the estimates on that. The factors which will then affect the potential speed on a clean line include: actual line length, gauge of copper used, external noise sources, other users in the same multi-pair cable and the proximity to you, the actual quality and impedance of the modem at your end and more. They will have a cumulative effect on the overall speed you can get.
Impacted: Again several things which will cause a line to be impacted; bridge taps, bad quality wiring at some point which could be in your premises, localised high energy noise/interferer ...
And finally - no you should not be getting near 68.6 even if your line is impacted - you could still get as low as the estimated 42.1
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