i didn't think so before. for a year now, with no reinstall of OS, been using w2kpro. always used a password when i logged on, made it difficult with special key, etc.. but never changed it. run firewall zonealarm before i dialup to ISP. smart enough not to download crap. i had a norton utilities 2002, and install AV for kicks. found out i had 3 trojan horses. rated mild, all found in my internet cache. now im gonna just leave it installed, but i turned off the autoprotect. just gonna do full scans every month or so.
