You get the prize for the most descriptive heading this month.

12meg (bytes bits?)
band width of 28kbps (kilobaud or kilobytes?)

and how long would it take if the file was spil into packets with each packet 1000 bytes,,,,,,
If no handshake or checksum or record length descriptor or whatever - exactly the same time.

in other words "the truth is in the details"

Erik