Ok, I know about those real nasty things that kill your MBR and we all know that no one product cures all. We know most use a AV and are well protected, regardless of name brand. My question is that programs like VMWare, Returnil and ShadowDefender, are they not just as equal to all others when all we are trying to do is attain 98 percent protection. How are you better or worse off by just using one of them compared to a AV or HIPS. I realize that the nasty is there until reboot, but with a AV and/or HIPS it is there until a scan or it is activated. I am just trying to figure out why a person could just not use one of these if his or hers surfing habits were, shall we say the norm. Or are there defencicies that go with a virtual world that other products dont have. Sorry if this is long winded but folks like me sometimes just have to come out and ask it in our own way instead of trying to piecemeal topic after topic to find a answer.