I use SafeOnline and don`t bother adding individual sites to protect manually. I started to, but kept losing the information due to whatever reason, quite possibly (probably) my fault - but that isn`t the issue here Are the default settings that SafeOnline uses adequate protection for daily usage - or is it imperative that I do more ? Will I be generally protected from online threats although I haven`t made any personal changes, ie: add eBay/bank and other sites I pay bills on ? I`d rather just set it & forget it if it`s OK to. Thanks.