Diablo,
there was a thread on this a little while ago. As far as I can remember, the 56K relates to bits per second, whereas the displayed download rate relates to bytes per sec. One byte is eight bits minimum, normally about ten, so the maximum download rate is roughly 56 divided by ten equals 5.6K bytes per sec, so you're doing pretty well at 5.2! AS for V92, haven't a clue, I'll leave that to the experts.
Ho hum, where's my slide rule?