I dont think ADSL can compare to what you can get in most metro areas in the US. I have basic internet and get 18mbps but most of the time its more than 20. Google fiber will be coming to my area soon so I can expect this to go way up even if I dont switch.<p>As far as CC chips almost all of my cards have a chip in them with the exception of a credit union debit card. Larger retailers that had security breaches are now using this tech such as Home Depot and Target. It will take a very long time to get smaller retailers or even gas pumps to update their card swipers.