It's a contradiction in terminis when people that use windows as their operating system talk about taking security measures. Moving away from windows is the best security upgrade you can make.
MMO champ got hacked just a couple of weeks ago. Basically a virus searches for FTP logins on ones computer, then edits web files on the ftp server with javascript, and whenever that file (ie. website) is being accessed, the javascript tries to run an applet that installs the virus on the machine of the visitor. And besides reproducing itself such a virus could install other nasty stuff as well.
Same story with the flash exploit where 'legit' sites that run flash based ads have infected users beyond their knowledge.
My point being: trusting the website owners might give you a false 'im safe' feeling. There are other things you can do on your side to minimize troubles (disable java applets, flash, ...)
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