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I use Kazaa lite and e-mule. Keep the firewall/trojan/virus software upto date and you should be ok. As for banking I just make sure that nothing else is running before I log on. As i'm a multi-millionaire (lol) I do worry a little more about these things and do have to make sure all those 0's are in the right place.
Anyway, i've had virus's before and I expect to get more in the future. Where would we all be without all those stories of the day our nmachines got wiped out by this or that virus.
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