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The answer to that is that when I do use the XP machine, yes I do everything, including surfing, under one account, which is an Admin account. I am not among the paranoid. I want to be able to do everything I need to do with my machine when I want to do it and not have to jump through hoops or even worse, change accounts. I even hate UAC but am currently living with it on Win 7. As I have said many times, I’ve been on line since 1999 and have never been hacked or infected by anything.