Sounds right. Keep in mind that you pay for Bits per second and windows measures the speed in Bytes per second. So 31,000,000bps / 8 = 3,875,000Bps
Dividing 3875000 by 1024 to get KiloBytes = 3784.2KB
3784.2/1024 to get MegaBytes = 3.7MB
So 3.53 is certainly in the ballpark for the speed you pay for.
Thanks for the response. I may have been unclear in my original post. I do pay for fiber high speed and when I use only the supplied Bell Home 2000 hub modem download speed is 31.5 MBPS which is more than the 25 mbps guaranteed. I use an Asus router for my home networking with VPV service and when I connect it behind the hub modem my download speed drops to 3.5 mbps. (approximately 1/10 of what I should get).