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Wireless Installation Considerations and
Managing Signal Congestion and
Good Neighbour Policy All 802.11n certified routers must now implement a good neighbour policy. The router can support 20 and 20/40 channel width, however, will fall back to 20mhz only if the router detect another device nearby running on the same band. In other words, if your neighbours are running a 2.4ghz network. your router will fall back to 20mhz which negotiates to usually between 130-150Mbps. Older revisions of 802.11n routers did not implement this and thus will show up to 300Mbps. Without getting too technical, if this wasn't implemented, everyone would be cutting everyone elses signal and causing severe wireless disconnections.
If you want more information a google search for "20/40 coexistance" should give you more technical information.
As much as this may seem like bad news, the good news is the 5ghz band does not suffer from this issue and it is very easy to achieve 300-450Mbps without any issues. The 2.4Ghz band at 130-150Mbps should be more than sufficient to push through speeds that your ISP is dishing out.
As for the 65Mbps issue, all I could suggest is update the wireless NIC drivers, ensure you are using WPA2/AES and try changing wireless channels. That should do the trick, otherwise you may need to relocate the router or possible swap out your wireless NIC if all else fails to isolate the issue.