Comments inline.

> What's the point of real-time scanning?   /bernie\

The primary purpose is to catch an infected file while the file is
being opened, and before it can do any damage. This is a very important function, IMO, and probably the main reason for
having an antivirus program in the first place.

Seems excessive to me: you can do a manual scan on executables when/if you download them,

The problem with that approach is that the average user doesn't have the self-discipline or security awareness to do a manual scan right after
a new download.

and there's hardly a need to scan anything else [and of course, if you're not running as administrator the malware can't do *too* much damage-- so about the only thing you really need to scan are executables you're about to run as admin [which, basically, means "install files", and I barely install a new program once-a-month, and so, again, real-time scanning everything seems excessive].

You are ignoring the fact that the overwhelming majority of home computer users run as admin.

[and indeed, if you're scanning manually, you can use one [or more] of the free online-scan services and get up-to-the-second scanning, without having to worry about updates or paying anyone for them]. So I continue to be skeptical about the real worth of paying [yet more] money into Symantec's or McAfee's coffers...

I recommend and use only the free AV products from Avast, AVG, and eTrust EZ.

Gary VanderMolen

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