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The best way to stay safe from these and other threats is to only surf the internet by way of a live Linux CD coupled with persistent settings on a dedicated memory stick. Puppy Linux is my live distro of choice. No purveyor of malware can drop a nasty payload to my CD, neither to my hard drive becuase it's not mounted. Another way is to have a mirror image of one's hard drive on an external drive. There are plenty of freeware programs which, by way of a live CD, can overwrite a corrupted drive with one's mirror image. I live a totally safe online life. Nuff said?