There's a rootkit virus on the loose in Europe called Mebroot. If Europe is having trouble, chances are other countries will be soon enough. Rootkits ensconce themselves at a higher level in your computer's system and are very hard to dig out and kill. This one specializes in ripping off bank information. Some say cybercrime's going to get worse as it moves more into the realm of organized gangs and mafias -- this story's got good information on botnets if you don't know what they are. Get the latest patches from Microsoft if you're running XP or Vista.