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If you also play it safe, like someone mentioned by avoiding porn, warez and P2P sites and software, you shouldn't have anything to worry about
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Not possible I'm afraid. A few weeks ago I went to a website I'd been to before to download an up to date version of some php software they issued. The company had folded and the domain had been bought up by a porn operation.
A few months ago I was sent an e-card from a customer, to say "Thank You" for some work done. I knew the email address was valid, and the customer did send it, but when clicked on the link to the e-card site it started trying to download a virus to the computer which AVG Pro quarantined. It got past the hardware firewall, and the Windows XP firewall, it was only AVG Pro that stopped it.
If you've been running for years without anti-virus without ill effect - you've just been very lucky!
Vger