Many thanks once again!!! I will study this and implement what you say. I practice safe computing - no x rated sites, I am super careful what I download, I make sure no bundled software gets thru and I read all reviews on new software prior to any downloading. No P2P and I use Adblock and Better Privacy. I will look into WOT. I avoid use of Explorer, only have it on the system for work -also got rid of Java a long time ago.

Again, I deeply appreciate your sage advice.