> logging in always as administrator is stupid

You're right.
But I do rely on:

1. eTrust ezAntivirus ver. 7.0.6.7;
2. Zone Alarm Pro firewall ver. 6.0.667.000 , with Anti-spyware engine version: 4.0.9.21;
3. Ad-Aware SE build 1.06r1;
4. Microsoft AntiSpy ver. 1.0.615 .
5. weekly TrendMicro Housecall antivirus online scanning.

Do you think it could be enough ?
Anyway, I'll follow your smart advice for a limited user account.

Thanks.

AA