you are right Don, I've read a lot about how anti-virus is only good for a time, until the viruses are updated, then we have to be sure we are covered. Just like a flu-virus. I don't think anyone can be immune to the different "tracking" programs etc. There are people that are online as much as any of us, and maybe more so, busy figuring out new hacks. If you want to be the safest, it's probably stay offline, lol. Then again, there have always been hackers (people figuring out when you go on vacations so they can burglarize etc.). It's the world we live in. The best way to be prepared is how to live if you lost every cent, and every thing you own.