Make it a rule to not surf the internet as an administrator on your windows machine. That will save you from a lot of hassles since these torjans/malware and others don't get a chance to install themselves without your user priviledges. Most people don't need to install something every day, so being a user on your own machine will do for the vast majority. And it will save you many hours of hassles, security holes and headaches trying to clear things up.
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The truth is not affected by the beliefs, or doubts, of the majority.
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