even after testing all the commercial products out there:

http://www.washingtonpost.com/wp-dyn...110302018.html

<SNIP>
For example, you could combine the free firewall built into Windows XP
with Microsoft's free Windows Defender anti-spyware utility, then keep
whatever anti-virus program came with your PC (or download the free AVG
software: http://free.grisoft.com/ ). To block phishing Web sites
trying to impersonate your bank, try the new Internet Explorer 7 and
Mozilla Firefox 2.0 browsers.
<SNIP>

http://************/y3oypq