I was surfing on a networked computer downtown yesterday and ran across a site that was just bad. I went home and intention visited the site to see what would happen. I was hit by the Scareware program Personal Antivirus, and it installed 3 trojans. I was just curious, nothing more. It was a breeze to clean up with Malwarebyte's Anti Malware. I reported the site(s) in question to McAfee's SiteAdvisor, and in less than 12 hours the site(s) were no longer accessible online. Thanks McAfee... Some very big concerns are at question here...like why did my NOD32 v4 fail to detect one of the most well known Scareware programs in the entire world? And why did I pay for NOD32 v4 in the first place? I really don't need an AV program if it fails to do the job.