It could be drivers, or the modem, or it could be the phone lines. I used to have problems with a really crappy connection that would initiate at about 33.6 and go down from there until it disconnected. I now have different line (and modem, but I don't think that was the problem, because I had the new line before I had the new modem, and the problem was gone), and regularly get 52 or 53.3 kbit/sec connects.
Edit: and yes, guys, I know you all like to brag about your broadband, but stop telling everyone who has modem problems to "upgrade." Some of us just can't get broadband; others can't afford it. You're just wasting air (or bandwidth) making useless remarks like that. Oh yes, I'm also bitter about having dialup, and would much rather get broadband. Nevermind. :frown: