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Also from what I’ve heard (mostly over HN) encryption is illegal over these networks. So you can’t do your banking or something using HAM IP.

Commercial activity is usually banned as well. Interpretation of this varies by jurisdiction but is often thought to include advertisements in web pages.

Here's a block diagram of my 30 Mbps link.

http://www.w6rz.net/ofdm3.png

Would you be willing to do a write-up, I'd love to read more about this!

Yes, but bitrate isn't necessarily the achievement. Nobody expects to run apt didt-upgrade with that uplink. Just that digital communications is possible at all, makes it a highly useful technology. Imagine all the remote areas that can be reached by HAM. All that is needed is an RX and a TX every now and then.

It's also historically been difficult to get those addresses because the people who ran the block often don't respond to requests.