OT: You wrote "ot, Larry, when you find time explain to me how I can get a virus by visiting a web site without doing something stupid like downloading and opening a spread sheet, word document, or an .exe file?"
Answer: I am no expert on virus. So I get all the protection and keep it up to date.
By the way. Norton Internet 2004 has a "spam program" for email that "learns". NOW 99% of my email SPAM goes off to a special folder. I highly recommend getting it.