Load balancing 2 ADSL connetions with NATD

[SKU]

Greetings fellow FreeBSD'ers.

I currently have 2 ADSL lines that are load balanced(outgoing) with ipfw fwd rules similar to this:

10.0.250.5 = First ADSL Line
10.0.250.6 = Second ADSL Line

The rules related to this:

00100    2128172 1220561188 divert 8668 ip from any to any via sis0
00125          0          0 check-state
00127      43792    1794917 prob 0.500000 fwd 10.0.250.6 ip from 10.0.250.33 to any setup in recv sis2 keep-state

This seems to work pretty well except in certain cases where I have to hit refresh on a web page, etc.  I am able to receive more than 310Kb/sec using a download manager!  

My first question would be: Is this is a correct way of doing this?  Should the fwd rule be moved before the divert statement on natd?

My other question is:  Could this setup be duplicated with netgraph?  It seems netgraph is more flexible but I am still a little wet behind the ears but would like to jump right in.   The ng_onetomany seems like a good fit but I would need 2 connections from the same ISP since they both have different gateways?

At any rate, if some others could share their experiences with Load Balancing from alternate ISP's(outgoing only), I would be grateful.  

In addition to learning the above, I would also like to write up some documentation and submit it so that others that are in the same situation may have something to go on as well.

Thanks in advance!

-SKU