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I suspect that the misunderstanding is with the terms you have with your ISP. If you want a static (fixed) address (as commercial users generally would) you have to pay for it. Otherwise they "say " it is dynamic, even if it generally does not change. This is so that the ISP does not have to ensure that you get the same Addy, if they have a problem or do some maintenance.
Ah, that makes so much more sense now. So the reason cable modems do not change very often is because the ISP actually keeps those connections as static, but doesn't officially label the connection as static. This way they avoid disconnection issues (in terms of making sure you go back to the IP 100% guarenteed), troubleshooting issues, and the like?