antbs: This issue has been covered heaps of times on Geekzone already, not that hard to do a simple search for the problem!
ArcticSilver: They are not that old. (big time hasn't been out for very long)
These questions have already been answered so im only going to give a brief answer.
No speeds are not dropped if you reach a certain limit but you are prioritized below people on other plans and have some shaping rules in place.